Natural Disaster Risk in Harsens Island
Michigan
Risk Summary for Harsens Island
Harsens Island scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Harsens Island, Michigan
Located in the Great Lakes region in St. Clair County, Harsens Island is a small community of about 1,272. The humid continental climate that characterizes this part of Michigan — marked by severe winters amplified by lake-effect snow and warm, humid summers — directly influences the types and severity of natural hazards present, making Harsens Island a community where hazard awareness has real practical value.
Harsens Island's overall natural disaster risk is rated 6.2/10 (High) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include coastal flood and ice storm.
Relative to other U.S. communities, Harsens Island'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 coastal flood, as measured by FEMA across St. Clair County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Harsens Island's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Harsens Island: 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 Harsens Island
These city-level factors differentiate Harsens Island from other communities in St. Clair County and provide geographic context for its hazard exposure.
Population
1,272
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 42.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.2/10
Coordinates
42.5895° N, 82.6195° W
St. Clair 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 Harsens Island
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Harsens Island
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.