🌍 ClimateRiskCheck

Natural Disaster Risk in Onekama

Michigan

4.9out of 10
Moderate Risk

Risk Summary for Onekama

Onekama scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Coastal Flooding Lightning

All 18 Hazard Scores

Winter Weather
9.3
Coastal Flooding
9.0
Lightning
7.9
Cold Wave
6.9
Landslide
6.8
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Hurricane
4.4
Strong Wind
4.2
Wildfire
3.7
Extreme Heat
3.4
Ice Storm
3.1
Tornado
3.0
Hail
2.8
Earthquake
2.5
Drought
1.7
Riverine Flooding
1.0

How it compares

Onekama
4.9
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: Onekama, Michigan

Located in the Great Lakes region in Manistee County, Onekama is a small community of about 901. 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 Onekama a community where hazard awareness has real practical value.

Onekama's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include coastal flood and lightning.

Relative to other U.S. communities, Onekama's natural disaster risk is near the U.S. national average of 4.5/10, near the 5.3/10 state average. The hazard distribution here is led by winter and coastal flood, as measured by FEMA across Manistee County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Onekama 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 winter is recommended.

What this means for Onekama: Winter Weather preparedness

  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
  • Clear roof snow loads when heavy to prevent structural strain and ice dams.
  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.

Local Factors for Onekama

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

Population

901

Rural

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Cool Continental

Latitude 44.4Β°

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: 3.7/10

Coordinates

44.3751Β° N, 86.2198Β° W

Manistee 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 Onekama

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Onekama

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.