Natural hazards · Michigan

Michigan, ND natural hazards

Most of the natural-hazard damage FEMA expects in Michigan comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Michigan?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Michigan to be higher than in 47% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves16%Hail9%Tornadoes7%Everything else15%

By hazard

What Michigan faces

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

Inland flooding

52% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

16% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 22 times a year in the area

Hail

9% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 6 years in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Michigan flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grand Forks County.

Disasters that hit Michigan

Federal disasters declared here

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

Brought FEMA money into MichiganDeclared for Grand Forks County only

Grand Forks County has had 32 natural disasters declared since 1953, most often floods and severe storms.

Around Michigan

Michigan and the towns around it

Very lowLowModerateHighVery high

Michiganmostly inland floodingModerate

Allendalemostly inland floodingModerate

Unionmostly inland floodingModerate

Americusmostly inland floodingModerate

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