🌍 ClimateRiskCheck

Natural Disaster Risk in Burr Oak

Michigan

6.0out of 10
High Risk

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

Hail Strong Wind Lightning

All 18 Hazard Scores

Hail
8.7
Strong Wind
8.5
Lightning
8.0
Tornado
6.8
Cold Wave
6.8
Drought
6.7
Earthquake
6.6
Landslide
6.3
Hurricane
5.9
Ice Storm
5.8
Tsunami
5.4
Winter Weather
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Extreme Heat
4.3
Wildfire
2.7
Riverine Flooding
1.0

How it compares

Burr Oak
6.0
Michigan avg.
5.3
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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 Town

Geographic 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

Loading climate data…

ZIP Codes in Burr Oak

Other cities in Michigan

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.