Natural hazards · Tuscola

Tuscola, MI natural hazards

Most of the natural-hazard damage FEMA expects in Tuscola comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1996.

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

Expected damage

How exposed is Tuscola?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tuscola to be higher than in 60% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves18%Tornadoes11%Strong wind8%Everything else6%

By hazard

What Tuscola faces

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

Inland flooding

58% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 51 years in the area

Strong wind

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 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 Tuscola flood?

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

3paid claims since 1996

$38Kpaid to owners

1homes flooded more than once

19962026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tuscola County.

Disasters that hit Tuscola

Federal disasters declared here

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

Brought FEMA money into TuscolaDeclared for Tuscola County only

Tuscola County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Tuscola

Tuscola and the towns around it

Very lowLowModerateHighVery high

Vassarmostly inland floodingVery high

Tuscolamostly inland floodingHigh

Denmarkmostly inland floodingHigh

Frankenmuthmostly inland floodingModerate

Arbelamostly inland floodingModerate

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. Tuscola covers 1 census tract, combined by population.

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

FEMA’s expected losses across Tuscola total about $2.0M a year, counting buildings, people and crops.

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.