Natural Disaster Risk in Mass City
Michigan
Risk Summary for Mass City
Mass City scores 3.7/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Coastal Flooding.
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All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Mass City, Michigan
Located in the northern tier of the continental United States in Ontonagon County, Mass City is a small community of about 581. 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 Mass City a community where hazard awareness has real practical value.
FEMA rates Mass City's composite natural disaster risk at 3.7 out of 10 — low risk. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. Residents should also account for winter and tsunami risk in their preparedness planning.
Relative to other U.S. communities, Mass City's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.3/10 state average. The hazard distribution here is led by coastal flood and winter, as measured by FEMA across Ontonagon County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, Mass City is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers coastal flood — remains prudent for all residents.
What this means for Mass City: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Local Factors for Mass City
These city-level factors differentiate Mass City from other communities in Ontonagon County and provide geographic context for its hazard exposure.
Population
581
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.0/10
Coordinates
46.7457° N, 88.9992° W
Ontonagon 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 Mass City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Mass 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.