Natural hazards · Wisner

Wisner, MI natural hazards

Most of the natural-hazard damage FEMA expects in Wisner comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 39 claims here since 1980.

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

Expected damage

How exposed is Wisner?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wisner to be higher than in 31% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves29%Tornadoes13%Strong wind9%Everything else9%

By hazard

What Wisner faces

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

Inland flooding

41% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Cold waves

29% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 26 years in the area

Strong wind

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Wisner flood?

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

39paid claims since 1980

$255Kpaid to owners

5homes flooded more than once

19802026

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

Insurance rates: Tuscola County.

Disasters that hit Wisner

Federal disasters declared here

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

Brought FEMA money into WisnerDeclared for Tuscola County only

Tuscola County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Wisner

Wisner and the towns around it

Very lowLowModerateHighVery high

Hamptonmostly inland floodingHigh

Wisnermostly inland floodingLow

Gilfordmostly inland floodingLow

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