Natural hazards · Wellington

Wellington, MI natural hazards

Most of the natural-hazard damage FEMA expects in Wellington comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Wellington?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wellington to be higher than in 24% of U.S. communities, mostly from inland flooding.

Inland flooding78%Cold waves13%Everything else10%

By hazard

What Wellington faces

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

Inland flooding

78% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 14 years in the area

Cold waves

13% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 2 times a year 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 Wellington flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Alpena County.

Disasters that hit Wellington

Federal disasters declared here

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

Brought FEMA money into WellingtonDeclared for Alpena County only

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

Around Wellington

Wellington and the towns around it

Very lowLowModerateHighVery high

Montmorencymostly inland floodingLow

Hillmanmostly inland floodingLow

Wellingtonmostly inland floodingLow

Long Rapidsmostly inland floodingLow

Greenmostly inland floodingLow

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