Natural Disaster Risk — ZIP Code 48647
Mio, Michigan
Risk Summary for ZIP 48647
ZIP 48647 scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Lightning.
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: ZIP 48647, Michigan
ZIP 48647 in Mio 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 48647 carries an overall risk score of 4.3/10, placing it in the moderate category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to wildfire and landslide.
Within Michigan, ZIP 48647's risk is, slightly below the 5.3/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Michigan identifies lightning as the foremost hazard, followed by wildfire and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, ZIP 48647 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for lightning is recommended.
What this means for ZIP 48647: Lightning preparedness
- Avoid plumbing and corded electronics during active thunderstorms.
- Install whole-home surge protection to shield electronics from strike-related power surges.
- Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
Risk for the surrounding area
Local Factors for ZIP 48647
These city-level factors differentiate ZIP 48647 from other communities in Michigan County and provide geographic context for its hazard exposure.
Population
3,980
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 44.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.9/10
Coordinates
44.6531° N, 84.0815° 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 48647
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.