Natural Disaster Risk in Burr Oak
Michigan
Risk Summary for Burr Oak
Burr Oak scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Burr Oak, Michigan
Located in the Great Lakes region in St. Joseph County, Burr Oak is a town of roughly 2,650 residents. The humid continental climate that characterizes this part of Michigan β marked by severe winters amplified by lake-effect snow and warm, humid summers β directly influences the types and severity of natural hazards present, making Burr Oak a community where hazard awareness has real practical value.
FEMA rates Burr Oak's composite natural disaster risk at 6.0 out of 10 β high risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for wind and lightning risk in their preparedness planning.
Relative to other U.S. communities, Burr Oak's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.3/10 state average. The hazard distribution here is led by hail and wind, as measured by FEMA across St. Joseph County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Burr Oak residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Burr Oak: Hail preparedness
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
Local Factors for Burr Oak
These city-level factors differentiate Burr Oak from other communities in St. Joseph County and provide geographic context for its hazard exposure.
Population
2,650
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.9Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower β moist climate limits wildfire frequency
Fire score: 2.7/10
Coordinates
41.8553Β° N, 85.3313Β° W
St. Joseph County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Burr Oak
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Burr Oak
Other cities in Michigan
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.