Natural Disaster Risk in Maple City
Michigan
Risk Summary for Maple City
Maple City scores 4.8/10 (Moderate risk), near 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
Average risk — 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: Maple City, Michigan
Maple City is a small community of about 2,332 in Leelanau County, in the Great Lakes region. The area experiences severe winters amplified by lake-effect snow and warm, humid summers, with intense lake-effect snowstorms off Lake Michigan and Lake Erie shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Maple City.
FEMA rates Maple City's composite natural disaster risk at 4.8 out of 10 — moderate risk. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Residents should also account for winter and coastal flood risk in their preparedness planning.
Maple City's risk score, slightly below the 5.3/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Leelanau County, the highest-scoring are cold wave, winter, and coastal flood. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Maple City's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that cold wave exposure is adequately protected is a worthwhile step for property owners.
What this means for Maple City: Cold Wave preparedness
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- 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.
Local Factors for Maple City
These city-level factors differentiate Maple City from other communities in Leelanau County and provide geographic context for its hazard exposure.
Population
2,332
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 44.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.6/10
Coordinates
44.8746° N, 85.8906° W
Leelanau 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 Maple City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Maple City
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.