Natural hazards · Wells

Wells, MI natural hazards

Most of the natural-hazard damage FEMA expects in Wells comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2002.

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

Expected damage

How exposed is Wells?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wells to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves30%Hail7%Everything else7%

By hazard

What Wells faces

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

Inland flooding

56% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once every 2 years in the area

Cold waves

30% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Hail

7% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

HurricanesAvalanchesTsunamisVolcanic 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 Wells flood?

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

3paid claims since 2002

$110Kpaid to owners

1homes flooded more than once

20022026

Biggest named events

2026-04-Flooding: 1 claim, $90K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Delta County.

Disasters that hit Wells

Federal disasters declared here

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

Brought FEMA money into WellsDeclared for Delta County only

Delta County has had 4 natural disasters declared since 1953, most often hurricanes and freezes.

Around Wells

Wells and the towns around it

Very lowLowModerateHighVery high

Ford Rivermostly inland floodingLow

Bark Rivermostly inland floodingLow

Escanabamostly inland floodingLow

Wellsmostly inland floodingVery low

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