🌍 ClimateRiskCheck

Natural Disaster Risk in Harrison

Michigan

5.7out of 10
Moderate Risk

Risk Summary for Harrison

Harrison scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Winter Weather Cold Wave

All 18 Hazard Scores

Strong Wind
9.5
Winter Weather
9.3
Cold Wave
7.4
Lightning
7.2
Landslide
6.9
Hail
6.6
Tornado
6.3
Tsunami
5.4
Ice Storm
5.2
Volcanic Activity
5.1
Wildfire
5.0
Coastal Flooding
4.9
Hurricane
4.8
Avalanche
4.5
Extreme Heat
3.6
Earthquake
3.3
Drought
1.7
Riverine Flooding
1.0

How it compares

Harrison
5.7
Michigan avg.
5.3
US national avg.
4.5

Live Conditions

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🏠 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: Harrison, Michigan

Located in the Great Lakes region in Clare County, Harrison is a city of approximately 12,704 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 Harrison a community where hazard awareness has real practical value.

FEMA rates Harrison's composite natural disaster risk at 5.7 out of 10 β€” moderate risk. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. Residents should also account for winter and cold wave risk in their preparedness planning.

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

With a moderate risk rating, Harrison 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 wind is recommended.

What this means for Harrison: Strong Wind preparedness

  • Secure or store outdoor furniture and loose objects that can become projectiles.
  • Confirm your policy covers wind damage and keep an inventory of property for claims.
  • Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.

Local Factors for Harrison

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

Population

12,704

Suburban

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Cool Continental

Latitude 44.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.0/10

Coordinates

44.0498Β° N, 84.8345Β° W

Clare 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 Harrison

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Harrison

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.