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Natural hazards · Wawatam

Wawatam, MI natural hazards

Most of the natural-hazard damage FEMA expects in Wawatam comes from inland flooding, 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 Wawatam?

2
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wawatam to be higher than in 2% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves46%Everything else8%
By hazard

What Wawatam faces

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

Inland flooding

46% of expected damage
Well below average · higher than 15% of U.S. places
Recorded about once every 6 years in the area

Cold waves

46% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Wawatam flood?

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

of all homes
are insured
No community discount. Wawatam isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Emmet County.
Disasters that hit Wawatam

Federal disasters declared here

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

Brought FEMA money into WawatamDeclared for Emmet County only
Emmet County has had 5 natural disasters declared since 1953, most often floods and ice storms.
Around Wawatam

Wawatam and the towns around it

Carp Lake: Very low, mostly inland floodingMackinaw: Very low, mostly inland floodingMackinaw City: Very low, mostly inland floodingBliss: Very low, mostly inland floodingMcKinley: High, mostly inland floodingHebron: Very low, mostly inland floodingBeaugrand: Low, mostly inland floodingWawatam: Very low, mostly inland flooding WawatamCarp LakeMackinawMackinaw City
Very lowLowModerateHighVery high
Mackinawmostly inland floodingVery low
Wawatammostly inland floodingVery low
Carp Lakemostly inland floodingVery low
Mackinaw Citymostly 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. Wawatam 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 Wawatam’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Wawatam. 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.