Natural Disasters in Cheboygan, MI
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
59.5
Relatively Low
Expected Annual Loss
51.1
Score (0-100)
Social Vulnerability
83.7
Score (0-100)
Community Resilience
79.6
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Cold Wave | 69.7 |
| Landslide | 67.2 |
| Lightning | 48.1 |
| Coastal Flood | 37.2 |
| Hail | 36.1 |
| Tornado | 25.8 |
| Wildfire | 25.3 |
| Hurricane | 24.5 |
| Winter Weather | 23.8 |
| Heat Wave | 21.3 |
| Strong Wind | 17.1 |
| Earthquake | 11.4 |
| Ice Storm | 6.4 |
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster Declarations
Source: FEMA OpenFEMATotal Declarations
7
Most Recent
Severe Ice Storm
Jul 2025
Most Common Type
Biological
2 declarations
| Date | Type | Declaration |
|---|---|---|
| Jul 22, 2025 | Severe Ice Storm | SEVERE WINTER STORM |
| Mar 27, 2020 | Biological | COVID-19 PANDEMIC |
| Mar 13, 2020 | Biological | COVID-19 |
| Sep 7, 2005 | Hurricane | HURRICANE KATRINA EVACUATION |
| May 10, 1994 | Freezing | SEVERE DEEP FREEZE |
| Jan 27, 1978 | Snowstorm | BLIZZARDS & SNOWSTORMS |
| Mar 2, 1977 | Drought | DROUGHT |
Individual Assistance
Source: FEMA Housing AssistanceTotal IA Registrations
25
Total IA Distributed
$112,772
| Disaster | Registrations | Total IA $ | Avg Damage |
|---|---|---|---|
| DR-4326 | 1 | N/A | — |
| DR-4494 | 24 | $112,772 | — |
Individual and household assistance for homeowners and renters affected by federally declared disasters.
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
4
Total Claims Paid
$760
Avg Claim Payout
$190
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$363,564
Disasters with PA
2
Total Projects
17
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4880 | Winter Storm | 16 | $358,164 |
| DR-4494 | Biological | 1 | $5,400 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
1
Federal Funding
$13,407
Avg Benefit-Cost Ratio
2.10
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 301.1: Shoreline Stabilization (Riprap, etc.) | 1 | $13,407 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Cheboygan has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are cold wave, landslide, lightning. The area has had 7 federal disaster declarations. The most common disaster type is biological (2 declarations). 4 flood insurance claims have been filed in the area. FEMA has obligated $363,564 in public assistance recovery funding. $112,772 has been distributed in individual assistance to disaster-affected residents. 1 hazard mitigation projects have been funded to reduce future risk.