Natural Disasters in Harbor Springs, MI

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

38.1

Very Low

Expected Annual Loss

44.7

Score (0-100)

Social Vulnerability

31.7

Score (0-100)

Community Resilience

96.9

Score (0-100)

Top Hazard Risks

Cold Wave80.4Landslide76.4Lightning38.8

Hazard	Risk Score
Cold Wave	80.4
Landslide	76.4
Lightning	38.8
Coastal Flood	31.4
Hail	31.2
Tornado	28.1
Winter Weather	21.2
Heat Wave	20.4
Wildfire	16.2
Ice Storm	14.9
Hurricane	12.8
Strong Wind	12.5
Earthquake	5.7

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 OpenFEMA

Total Declarations

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
Jan 27, 1978	Snowstorm	BLIZZARDS & SNOWSTORMS
Mar 2, 1977	Drought	DROUGHT

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$13,550

Avg Claim Payout

$2,710

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$5,096,389

Disasters with PA

Total Projects

Disaster	Type	Projects	Federal $
DR-4494	Biological	5	$4,759,452
DR-4880	Winter Storm	17	$336,937

Harbor Springs has a very 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 6 federal disaster declarations. The most common disaster type is biological (2 declarations). 5 flood insurance claims have been filed in the area. FEMA has obligated $5,096,389 in public assistance recovery funding.