Natural hazards · Yale

Yale, MI natural hazards

Most of the natural-hazard damage FEMA expects in Yale comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Yale?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Yale to be higher than in 41% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves20%Tornadoes12%Everything else8%

By hazard

What Yale faces

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

Inland flooding

60% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Cold waves

20% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 48 years in the area

Lower here

HurricanesHailIce 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 Yale flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Clair County.

Disasters that hit Yale

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Yale itself: aid to households, or repair grants to the City of Yale.

Brought FEMA money into YaleDeclared for St. Clair County only

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $1K aid approved

2000

Snow

$4K to the City of Yale for repairs

St. Clair County has had 9 natural disasters declared since 1953, most often severe storms and floods.

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. Yale 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 Yale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Yale. 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.