Natural Disaster Risk — ZIP Code 48458
Mount Morris, Michigan
Risk Summary for ZIP 48458
ZIP 48458 scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.
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: ZIP 48458, Michigan
ZIP 48458 in Mount Morris sits in the Great Lakes region. Its humid continental climate produces severe winters amplified by lake-effect snow and warm, humid summers, and notably intense lake-effect snowstorms off Lake Michigan and Lake Erie. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 48458 carries an overall risk score of 6.9/10, placing it in the high category. Tornado activity is the top natural hazard risk, with the region lying in a corridor where warm, moist air frequently clashes with dry, cool air masses to spawn severe supercell thunderstorms. The area also faces notable exposure to cold wave and wind.
Within Michigan, ZIP 48458's risk is, considerably above the 5.3/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Michigan identifies tornado as the foremost hazard, followed by cold wave and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 48458'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 ZIP 48458: Tornado preparedness
- Review whether your insurance covers wind and debris damage, and document belongings in advance.
- Identify the safest interior room on the lowest floor — away from windows — as your shelter.
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
Risk for the surrounding area
Local Factors for ZIP 48458
These city-level factors differentiate ZIP 48458 from other communities in Michigan County and provide geographic context for its hazard exposure.
Population
19,519
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 43.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.5/10
Coordinates
43.1209° N, 83.6831° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 48458
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Michigan
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.