Natural hazards · Tobacco

Tobacco, MI natural hazards

Most of the natural-hazard damage FEMA expects in Tobacco comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2020.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Tobacco?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tobacco to be higher than in 35% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves15%Tornadoes10%Strong wind7%Everything else9%

By hazard

What Tobacco faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

60% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 3 years in the area

Cold waves

15% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 38 years in the area

Strong wind

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Tobacco flood?

Every paid claim on a federal flood insurance policy in Tobacco, from FEMA’s records.

2paid claims since 2020

$236Kpaid to owners

0homes flooded more than once

20202026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Tobacco isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Gladwin County.

Disasters that hit Tobacco

Federal disasters declared here

None of the disasters declared for Gladwin County shows FEMA aid or repair money reaching Tobacco itself in FEMA’s records.

Brought FEMA money into TobaccoDeclared for Gladwin County only

Gladwin County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Tobacco

Tobacco and the towns around it

Very lowLowModerateHighVery high

Edenvillemostly inland floodingHigh

Billingsmostly inland floodingModerate

Tobaccomostly inland floodingLow

Beavertonmostly inland floodingLow

Buckeyemostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Tobacco is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Tobacco’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Tobacco. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.