🌍 ClimateRiskCheck

Natural Disaster Risk in Decker

Michigan

5.9out of 10
Moderate Risk

Risk Summary for Decker

Decker scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Winter Weather Coastal Flooding

All 18 Hazard Scores

Cold Wave
9.6
Winter Weather
9.1
Coastal Flooding
9.0
Ice Storm
7.6
Strong Wind
7.5
Hurricane
7.0
Tornado
6.8
Hail
6.7
Tsunami
5.4
Extreme Heat
5.3
Volcanic Activity
5.1
Avalanche
4.5
Earthquake
4.2
Landslide
4.1
Lightning
3.9
Wildfire
2.3
Drought
1.7
Riverine Flooding
1.0

How it compares

Decker
5.9
Michigan avg.
5.3
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Decker, Michigan

Located in the Great Lakes region in Sanilac County, Decker is a small community of about 1,317. 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 Decker a community where hazard awareness has real practical value.

FEMA rates Decker's composite natural disaster risk at 5.9 out of 10 β€” moderate risk. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. Residents should also account for winter and coastal flood risk in their preparedness planning.

Relative to other U.S. communities, Decker'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 cold wave and winter, as measured by FEMA across Sanilac County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Decker residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for cold wave is recommended.

What this means for Decker: Cold Wave preparedness

  • Keep emergency heat and supplies ready in case of cold-related power outages.
  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.

Local Factors for Decker

These city-level factors differentiate Decker from other communities in Sanilac County and provide geographic context for its hazard exposure.

Population

1,317

Small Town

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Cool Continental

Latitude 43.5Β°

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: 2.3/10

Coordinates

43.5086Β° N, 83.0602Β° W

Sanilac 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 Decker

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Decker

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.