Natural hazards · Williams

Williams, MI natural hazards

Most of the natural-hazard damage FEMA expects in Williams comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2017.

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

Expected damage

How exposed is Williams?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Williams to be higher than in 39% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves19%Tornadoes16%Strong wind9%Everything else8%

By hazard

What Williams faces

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

Inland flooding

49% of expected damage

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

Recorded about once a year in the area

Cold waves

19% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 75 years in the area

Strong wind

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 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 Williams flood?

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

4paid claims since 2017

$114Kpaid to owners

1homes flooded more than once

20172026

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. Williams isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Bay County.

Disasters that hit Williams

Federal disasters declared here

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

Brought FEMA money into WilliamsDeclared for Bay County only

Bay County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Williams

Williams and the towns around it

Very lowLowModerateHighVery high

Tittabawasseemostly inland floodingModerate

Beavermostly inland floodingModerate

Monitormostly inland floodingModerate

Midlandmostly inland floodingModerate

Williamsmostly inland floodingLow

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. Williams covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Williams’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Williams. 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 Williams total about $2.6M 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.