Zilwaukee’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Zilwaukee comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1986.
What stands out about Zilwaukee’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Zilwaukee flood? Rarely: 7 flood claims since 1986
Every paid claim on a federal flood insurance policy in Zilwaukee, from FEMA’s records.
Zilwaukee is in FEMA’s Community Rating System (class 9) for its flood-proofing work.
Insurance rates: Saginaw County.How exposed is Zilwaukee?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 60% of U.S. communities, mostly from inland flooding.
Rated higher than 1,681 of the 1,771 Michigan towns we cover.
Zilwaukee is smaller than a census tract, so it shares the figures of the tract around its center.
What Zilwaukee faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
Federal disasters declared here
None of the disasters declared for Saginaw County shows FEMA aid or repair money reaching Zilwaukee itself in FEMA’s records.
Saginaw County has had 16 natural disasters declared since 1953, most often floods and severe storms.
Get ready for what Zilwaukee actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
- Zilwaukee residents get 05% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Zilwaukee and its neighbors
Zilwaukee ranks 2nd calmest of 3 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Carrollton | High | inland flooding | 28 |
| Zilwaukee | High | inland flooding | 7 |
| Buena Vista | Low | inland flooding | 14 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in April–June
The month each of Saginaw County’s 16 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Zilwaukee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Zilwaukee.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Zilwaukee.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.