Natural hazards · Warner

Warner, MI natural hazards

Most of the natural-hazard damage FEMA expects in Warner comes from cold waves, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Warner?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Warner to be higher than in 7% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves49%Inland flooding38%Everything else13%

By hazard

What Warner faces

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

Cold waves

49% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once a year in the area

Inland flooding

38% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 14 years in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Warner flood?

FEMA's records show no paid flood insurance claims in Warner.

of all homes
are insured

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

Insurance rates: Antrim County.

Disasters that hit Warner

Federal disasters declared here

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

Brought FEMA money into WarnerDeclared for Antrim County only

Antrim County has had 5 natural disasters declared since 1953, most often floods and ice storms.

Around Warner

Warner and the towns around it

Very lowLowModerateHighVery high

Boyne Valleymostly inland floodingVery low

Warnermostly cold wavesVery low

Jordanmostly cold wavesVery low

Starmostly cold wavesVery low

Chestoniamostly cold wavesVery low

Elmiramostly inland floodingVery low

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. Warner 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 Warner’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Warner. 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.