Summary
Plan status as of 2026-09-30: Approved, expires 2027-09-27. Plan: Grand Traverse County NHMP (Update) (FEMA plan 107334), approved 2022-09-28.
Since the plan was approved on 2022-09-28: 1 new hazard declaration (1 incident) and 45 NOAA Storm Events records; details under "What changed since your last plan".
Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Cold Wave ($15,796,674 a year), Inland Flooding ($10,482,489) and Winter Weather ($1,607,596).
The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.
Plan clock
- Status:
- Approved, expires 2027-09-27
- Plan:
- Grand Traverse County NHMP (Update) (FEMA plan 107334)
- Approved:
- 2022-09-28
- Days to expiry:
- 362
- Update underway:
- none recorded in FEMA's plan tracker
What changed since your last plan (approved 2022-09-28)
- New federal declarations:
- 1 new hazard declaration (1 incident): DR-4925-MI (Severe Storms, Tornadoes, and Flooding)
- Storm Events records since approval:
- 45 records (data through 2026-06-30)
- Repetitive loss now:
- FMA RL 1, SRL 0 (44 CFR 77.2); any definition: 6
- Repeat-flood change:
- this release sets the baseline count.
Sources: 1, 2, 4, 6 (numbered list at the end)
Plan status for every jurisdiction listed in this county: 17 rows, in the section "Plan clock: Plan status for every jurisdiction listed in this county" on the following pages.
State plan status and tribal plans in this state: see the state page.
Plan clock
Plan status for every jurisdiction listed in this county
Source: 1
| Jurisdiction | Type | Status | Plan | Approved | Expires | Days to expirynegative = days since expiry | Notes |
|---|---|---|---|---|---|---|---|
| Grand Traverse County | County | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | |
| Fife Lake village | Village | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2024-01-23. |
| Kingsley village | Village | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-12-19. |
| Traverse City city | City | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-11-14. |
| Acme township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-10-11. |
| Blair township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-12-07. |
| East Bay township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-12-07. |
| Fife Lake township | Township | Plan 107334 approved 2022-09-28, pending adoption here; not yet eligible | Grand Traverse County NHMP (Update) (FEMA plan 107334), pending adoption here | 2022-09-28 by FEMA; not yet adopted here | 2027-09-27 once adopted | Not yet eligible: adopt the plan FEMA lists as approvable pending adoption. | |
| Garfield charter township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-10-13. |
| Grant township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2023-03-07. |
| Green Lake township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-12-07. |
| Long Lake township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-10-13. |
| Mayfield township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-12-07. |
| Paradise township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-11-14. |
| Peninsula township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2022-11-14. |
| Union township | Township | Plan 107334 approved 2022-09-28, pending adoption here; not yet eligible | Grand Traverse County NHMP (Update) (FEMA plan 107334), pending adoption here | 2022-09-28 by FEMA; not yet adopted here | 2027-09-27 once adopted | Not yet eligible: adopt the plan FEMA lists as approvable pending adoption. | |
| Whitewater township | Township | Approved, expires 2027-09-27 | Grand Traverse County NHMP (Update) (FEMA plan 107334) | 2022-09-28 | 2027-09-27 | 362 | This jurisdiction approved 2023-08-25. |
Supports FEMA checklist item B1-a: hazard identification
Hazards NRI does not cover (local data needed)
- dam failure (incl. upstream dams)
- levee failure
- flash flood as its own subtype
- ice jams
- debris flows
- erosion (riverine and coastal)
- land subsidence and sinkholes
- expansive soils
The 18 National Risk Index hazards, ranked by expected annual loss (EAL)
Sources: 5, 6, 10
| Rank by EAL | Hazard | NRI risk rating | EAL rating | EAL buildingsmodeled dollars per year | EAL agriculturemodeled dollars per year | Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage | EAL total (see note)modeled dollars per year | Storm Events records, 1996 to 2026-06-30count | Storm Events coverage note |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Cold Wave | Relatively High | Relatively High | $53 | $755,648 | $15,040,973 | $15,796,674 | 5 | Includes 1 Frost/Freeze record (outside NRI's Cold Wave definition; counted in this table and in B1-d, not in the B1-e descriptor). |
| 2 | Inland Flooding | Relatively Low | Relatively Low | $10,480,695 | $1,184 | $611 | $10,482,489 | 20 | |
| 3 | Winter Weather | Very High | Very High | $18,295 | $446 | $1,588,855 | $1,607,596 | 137 | |
| 4 | Tornado | Relatively Low | Relatively Low | $439,119 | $226 | $767,390 | $1,206,735 | 1 | |
| 5 | Strong Wind | Relatively Moderate | Relatively Moderate | $540,612 | $1,405 | $320,313 | $862,331 | 74 | Includes 8 High Wind and 2 Strong Wind records (NOAA non-thunderstorm wind types, outside NRI's Strong Wind definition). |
| 6 | Lightning | Relatively Moderate | Relatively Moderate | $11,345 | n/a | $538,214 | $549,559 | 7 | |
| 7 | Hail | Relatively Low | Relatively Low | $264,145 | $38,044 | $70,320 | $372,508 | 43 | |
| 8 | Heat Wave | Very Low | Relatively Low | $1,233 | under $1 | $202,458 | $203,691 | 2 | |
| 9 | Earthquake | Very Low | Very Low | $15,573 | n/a | $4,706 | $20,279 | Storm Events does not record earthquakes. | |
| 10 | Wildfire | Very Low | Very Low | $15,859 | $6 | $2,749 | $18,614 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
| 11 | Landslide | Relatively Low | Relatively Low | $1,817 | n/a | $14,520 | $16,337 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
| 12 | Coastal Flooding | Very Low | Very Low | $7,798 | n/a | $585 | $8,383 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
| 13 | Hurricane | Very Low | Very Low | $5,560 | $676 | $2 | $6,238 | 1 | Includes 1 Flash Flood record whose NOAA event or episode narrative names a tropical cyclone (NOAA's type kept; each also counts under that type's hazard). |
| 14 | Ice Storm | Very Low | Very Low | $3,823 | n/a | $2,136 | $5,959 | 4 | |
| 15 | Drought | No Rating | No Expected Annual Losses | n/a | $0 | n/a | $0 | 1 | |
| Tsunami | Insufficient Data | Insufficient Data | n/a | n/a | n/a | n/a | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).
NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.
Local data needed: state and local wildfire, landslide and tsunami records (Storm Events records these hazards only in part).
Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche and volcanic activity. That is the evidence for leaving them out of the plan.
The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.
Supports FEMA checklist item B1-b: hazard location
Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.
Coastal Flooding and Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.
Hazards that vary within the county: highest-rated census tracts
Source: 5
| Hazard | Highest-rated census tractsNRI risk rating, score 0 to 100 |
|---|---|
| Earthquake | tract 5511 (Very Low, 13.7); tract 5512 (Very Low, 11.9); tract 5503 (Very Low, 9.2) |
| Hurricane | tract 5514 (Very Low, 29.9); tract 5503 (Very Low, 29.8); tract 5511 (Very Low, 29.5) |
| Landslide | tract 5509 (Relatively Moderate, 96.2); tract 5501.01 (Relatively Low, 95.3); tract 5502 (Relatively Low, 94.5) |
| Tornado | tract 5503 (Relatively Moderate, 56.8); tract 5514 (Relatively Moderate, 54.2); tract 5511 (Relatively Low, 52.7) |
| Tsunami | no tract has a National Risk Index rating for this hazard |
| Wildfire | tract 5503 (Relatively Low, 75.8); tract 5502 (Relatively Low, 75.7); tract 5501.02 (Relatively Low, 70.1) |
Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 5511 is Census Tract 5511). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool
Supports FEMA checklist item B1-c: hazard extent
Extent: scale, observed range and worst recorded event per hazard
Sources: 6, 7, 11
| Hazard | Scale | Recordscount and years | Observed range | Worst recorded event | Most damaging (when different) | How it applies to jurisdictions | Note |
|---|---|---|---|---|---|---|---|
| Coastal Flood, Storm Surge/Tide | none in data (flood depth: FIRM) | 0 | Flood depth: see the FEMA Flood Insurance Rate Map. | ||||
| Cold/Wind Chill, Extreme Cold/Wind Chill | wind chill | 4 records, 2007 to 2026 (4 zone-level) | 1 day to 3 days (median 2 days); 4 with a recorded value | 3 consecutive days, 2026-01-22 to 2026-01-24, zone-level | Countywide (zone-level records). | ||
| Frost/Freeze (outside NRI's Cold Wave definition) | crop damage | 1 record, 2012 (1 zone-level) | Frost/Freeze, 2012-04-27, $15,000,000 crop damage (2012 dollars); NWS zone MIZ026 | Countywide (zone-level records). | |||
| Drought | U.S. Drought Monitor scale (D0 to D4) | 1 record, 2001 (1 zone-level) | 9 days; 1 with a recorded value | 9 days, 2001-08-01 to 2001-08-09, zone-level | Countywide (zone-level records). | Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only. | |
| Earthquake | Modified Mercalli (local data) | 0 | Storm Events does not record earthquakes; the USGS earthquake catalog is the source. | ||||
| Hail | hail size (inches) | 52 records, 1958 to 2026 | 0.75 in to 2 in (median 1 in); 52 with a recorded value | 2 in hail, 1980-07-07 | Hail, 2023-08-03, $5,000 property; $0 crops (2023 dollars) | Event records naming jurisdictions in the plan: Traverse City city (14 records), Kingsley village (5 records), Fife Lake township (4 records), Fife Lake village (4 records), Acme township (1 record). | |
| Excessive Heat, Heat | heat index (in event narratives) | 2 records, 2001 to 2018 (2 zone-level) | 1 day to 9 days (median 5 days); 2 with a recorded value | 9 consecutive days, 2001-08-01 to 2001-08-09, zone-level | Countywide (zone-level records). | ||
| Hurricane, Tropical Storm, Tropical Depression | Saffir-Simpson | 0 | Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records. | ||||
| Wind, rain, flood or surge records whose NOAA event or episode narrative names a tropical cyclone | damage | 1 record, 2020 | Flash Flood, 2020-06-10, $90,000 property; $0 crops (2020 dollars) (NOAA type Flash Flood; narrative names Tropical Cyclone Cristobal) | Event records naming jurisdictions in the plan: Traverse City city (1 record). | NOAA filed these records under the type shown, and each also counts under that type's hazard; the record's event or episode narrative names the storm, checked against NOAA's HURDAT2 storm list by name and dates. Some records name the storm only as context (for example a distant storm that fed moisture), so read the narrative before attributing a record to the storm. | ||
| Ice Storm | Sperry-Piltz ice scale (local data) | 4 records, 2001 to 2008 (4 zone-level) | No damage reported in 4 records. | Countywide (zone-level records). | |||
| Flash Flood, Flood, Lakeshore Flood | damage and flood days (flood depth: FIRM) | 20 records, 1999 to 2023 (2 zone-level) | Flash Flood, 2012-10-06, $1,800,000 property; $0 crops (2012 dollars) | Event records naming jurisdictions in the plan: Traverse City city (11 records), Mayfield township (1 record). Zone-level records (2) apply countywide. | Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most. | ||
| Debris Flow | none (count and damage only) | 0 | |||||
| Lightning | annualized frequency (the measure FEMA's Local Mitigation Planning Handbook names) | 7 records, 2000 to 2025 | Lightning, 2000-09-01, damage not reported, 1 direct death, 1 direct injury | Lightning, 2002-04-18, $125,000 property; crops not reported (2002 dollars) | Event records naming jurisdictions in the plan: Traverse City city (2 records). | Storm Events lists lightning with damage or casualties. | |
| High Wind and Strong Wind (outside NRI's Strong Wind definition) | wind speed (kt and mph) | 10 records, 1998 to 2025 (10 zone-level) | 40 kt (46 mph) to 61 kt (70 mph) (median 53 kt (61 mph)); 9 with a recorded value | 61 kt (70 mph) measured gust, High Wind, 2021-12-16; NWS zone MIZ026 | Countywide (zone-level records). | ||
| Thunderstorm Wind | wind speed (kt and mph) | 91 records, 1955 to 2025 | 40 kt (46 mph) to 70 kt (81 mph) (median 52 kt (60 mph)); 75 with a recorded value | 70 kt (81 mph), measurement type not recorded, Thunderstorm Wind, 1987-07-20 | Thunderstorm Wind, 2015-08-02, $7,800,000 property; $0 crops (2015 dollars) | Event records naming jurisdictions in the plan: Traverse City city (23 records), Acme township (4 records), Kingsley village (4 records), Fife Lake township (3 records), Fife Lake village (3 records), Mayfield township (2 records). | |
| Tornado | Enhanced Fujita (Fujita before Feb 2007) | 5 records, 1956 to 2025 | F/EF2 to F/EF4 (median between F/EF2 and F/EF3); 4 with a recorded value | F4 tornado, 1956-04-03, 15.4 mi path length (whole path, pre-1996), 400 yd wide, $250,000 property (pre-1996 NOAA value, recorded in damage ranges); crops not recorded (1956 dollars) | Tornado, 1969-06-26, $250,000 property (pre-1996 NOAA value, recorded in damage ranges); crops not recorded (1969 dollars); same damage also recorded on 1956-04-03, 1964-05-08 | No event record names a jurisdiction in the plan. | Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods). |
| Tsunami | none (count and damage only) | 0 | |||||
| Wildfire | acres burned (local data) | 0 | |||||
| Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet | none in data (snowfall: local data) | 137 records, 1996 to 2026 (137 zone-level) | Heavy Snow, 2012-03-02, $600,000 property; $5,000,000 crops (2012 dollars); NWS zone MIZ026 | Countywide (zone-level records). |
In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of debris flow, lightning and tsunami.
Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).
Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.
Supports FEMA checklist item B1-d: previous occurrences
Federal declarations for this county: 6 declarations covering 3 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).
Federal disaster declarations for this county
Sources: 1, 2, 3
| Declared | Incident began | FEMA number | Type | Title | Mapped hazard | County Public Assistancefederal share obligated, nominal dollars | Flags | Notes |
|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | 2026-04-10 | DR-4925-MI | Major disaster | Severe Storms, Tornadoes, and Flooding | Inland Flooding (primary); also designated: Tornado | $174,249.70 | new since last plan; within last 5 years | |
| 2020-03-27 | 2020-01-20 | DR-4494-MI | Major disaster | COVID-19 Pandemic | Non-natural, not counted | $18,138,904.80 | ||
| 2020-03-13 | 2020-01-20 | EM-3455-MI | Emergency | COVID-19 | Non-natural, not counted | no Public Assistance recorded | same incident as DR-4494 | |
| 2005-09-07 | 2005-08-29 | EM-3225-MI | Emergency | Hurricane Katrina Evacuation | Hurricane: evacuation support, not a local hazard event; not counted | no Public Assistance recorded | ||
| 1978-01-27 | 1978-01-27 | EM-3057-MI | Emergency | Blizzards & Snowstorms | Winter Weather | not available: FEMA's Public Assistance data start in 1998 (declarations from 1998-08-26 on) | ||
| 1977-03-02 | 1977-03-02 | EM-3035-MI | Emergency | Drought | Drought | not available: FEMA's Public Assistance data start in 1998 (declarations from 1998-08-26 on) |
County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.
Statewide declarations
Source: 2
| Declared | Incident began | FEMA number | Type | Title | Mapped hazard |
|---|---|---|---|---|---|
| 1956-04-05 | 1956-04-05 | DR-53-MI | Major disaster | Tornado | Tornado |
| 1953-06-09 | 1953-06-09 | DR-6-MI | Major disaster | Tornado | Tornado |
| 1953-06-02 | 1953-06-02 | DR-4-MI | Major disaster | Tornado | Tornado |
FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state (where FEMA also gives the declaration a row for the county, it is shown once, in the county table) and not counted with county rows. Local data needed: whether each one affected this county.
Previous occurrences by hazard, with explicit no-event rows
Sources: 2, 6, 7
| Hazard | Storm Events records, all years on file(years in the Period column) | Since plan approvalrecords | In the 12 months before plan approvalrecords | Last 5 yearsrecords | Declared incidents, all yearsseparate disasters | Declared since approvalseparate disasters | Period | Statement |
|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Cold Wave | 5 | 2 | 0 | 2 | 0 | 0 | 1996 to 2026-06-30 | Includes 1 Frost/Freeze record. |
| Drought | 1 | 0 | 0 | 0 | 1 | 0 | 1996 to 2026-06-30 | |
| Earthquake | 0 | 0 | 0 | 0 | 0 | 0 | Storm Events does not record earthquakes; the USGS earthquake catalog is the source. | |
| Hail | 52 | 11 | 1 | 12 | 0 | 0 | 1955 to 2026-06-30 | |
| Heat Wave | 2 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | |
| Hurricane | 1 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | Includes 1 Flash Flood record whose NOAA event or episode narrative names a tropical cyclone (NOAA's type kept; each also counts under that type's hazard). |
| Ice Storm | 4 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | |
| Inland Flooding | 20 | 6 | 0 | 6 | 1 | 1 | 1996 to 2026-06-30 | |
| Landslide | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Lightning | 7 | 1 | 0 | 1 | 0 | 0 | 1996 to 2026-06-30 | |
| Strong Wind | 101 | 11 | 2 | 13 | 0 | 0 | 1955 to 2026-06-30 | Includes 8 High Wind and 2 Strong Wind records. |
| Tornado | 5 | 1 | 0 | 1 | 1 | 1 | 1950 to 2026-06-30 | |
| Tsunami | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Wildfire | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Winter Weather | 137 | 13 | 3 | 16 | 1 | 0 | 1996 to 2026-06-30 |
Notable Storm Events records
Sources: 1, 6, 7
| Date | Event type | Magnitude or extent | Damagenominal dollars | Deaths, injuriesdirect only | Location | Flags | Why listed |
|---|---|---|---|---|---|---|---|
| 2026-01-22 | Extreme Cold/Wind Chill | damage not reported | 0, 0 | NWS zone MIZ026 (GRAND TRAVERSE), zone-level | new since last plan; within last 5 years | B1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill | |
| 2023-08-03 | Hail | 1 in | $5,000 property; $0 crops (2023 dollars) | 0, 0 | 0.49 miles W of TRAVERSE CITY | new since last plan; within last 5 years | B1-c most damaging: Hail |
| 2021-12-16 | High Wind | 61 kt (70 mph) measured gust | $50,000 property; $0 crops (zone total, 2021 dollars) | 0, 0 | NWS zone MIZ026 (GRAND TRAVERSE), zone-level | in the 12 months before plan approval; within last 5 years | B1-c worst recorded: High Wind and Strong Wind |
| 2020-06-10 | Flash Flood; narrative names Tropical Cyclone Cristobal | $90,000 property; $0 crops (2020 dollars) | 0, 0 | 1.11 miles WNW of TRAVERSE CITY to 1.4 miles SW of TRAVERSE CITY | B1-c worst recorded: Wind, rain, flood or surge records whose NOAA event or episode narrative names a tropical cyclone | ||
| 2015-08-02 | Thunderstorm Wind | 65 kt (75 mph) estimated gust | $7,800,000 property; $0 crops (2015 dollars) | 0, 0 | 3.98 miles NE of TRAVERSE CITY | B1-c most damaging: Thunderstorm Wind | |
| 2012-10-06 | Flash Flood | $1,800,000 property; $0 crops (2012 dollars) | 0, 0 | 2.61 miles ESE of GRAWN to 2.36 miles ESE of MAYFIELD | B1-c worst recorded: Flash Flood, Flood, Lakeshore Flood | ||
| 2012-04-27 | Frost/Freeze | $0 property; $15,000,000 crops (zone total, 2012 dollars) | 0, 0 | NWS zone MIZ026 (GRAND TRAVERSE), zone-level | B1-c worst recorded: Frost/Freeze | ||
| 2012-03-02 | Heavy Snow | $600,000 property; $5,000,000 crops (zone total, 2012 dollars) | 0, 0 | NWS zone MIZ026 (GRAND TRAVERSE), zone-level | B1-c worst recorded: Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet | ||
| 2002-04-18 | Lightning | $125,000 property; crops not reported (2002 dollars) | 0, 0 | OLD MISSION | B1-c most damaging: Lightning | ||
| 2001-08-01 | Heat | damage not reported | 0, 0 | NWS zone MIZ026 (GRAND TRAVERSE), zone-level | B1-c worst recorded: Excessive Heat, Heat | ||
| 2000-09-01 | Lightning | damage not reported | 1, 1 | TRAVERSE CITY | deaths or injuries recorded; B1-c worst recorded: Lightning | ||
| 1989-10-14 | Thunderstorm Wind | 50 kt (58 mph), measurement type not recorded | damage not recorded (pre-1996 record) | 0, 2 | location not recorded | deaths or injuries recorded | |
| 1987-07-20 | Thunderstorm Wind | 70 kt (81 mph), measurement type not recorded | damage not recorded (pre-1996 record) | 0, 0 | location not recorded | B1-c worst recorded: Thunderstorm Wind | |
| 1980-07-07 | Hail | 2 in | damage not recorded (pre-1996 record) | 0, 0 | location not recorded | B1-c worst recorded: Hail | |
| 1969-06-26 | Tornado | F3, 6.4 mi path length (whole path, pre-1996), 600 yd wide | $250,000 property (pre-1996 NOAA value, recorded in damage ranges); crops not recorded (1969 dollars) | 0, 0 | location not recorded | B1-c most damaging: Tornado | |
| 1956-04-03 | Tornado | F4, 15.4 mi path length (whole path, pre-1996), 400 yd wide | $250,000 property (pre-1996 NOAA value, recorded in damage ranges); crops not recorded (1956 dollars) | 0, 0 | location not recorded | B1-c worst recorded: Tornado |
The full list is in the Excel file, sheet "B1-d Storm Events history" (335 rows).
Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.
Also counted as Hurricane: the record's event or episode narrative names the storm. Some records name the storm only as context (for example a distant storm that fed moisture), so read the narrative before attributing a record to the storm.
Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).
Tribal and special-area declarations in this state are listed on the state page.
Supports FEMA checklist item B1-e: probability of future events
Probability: FEMA annualized frequency and descriptor per hazard
Sources: 5, 6
| Hazard | FEMA annualized frequency (modeled)unit per row | Unit | In plain terms | Descriptor | Descriptor basis | NRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional) | NRI period | Location | Note |
|---|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | 0.0135 | events per year at a location (modeled) | about 0.014 per year at a given location in the county | Possible | FEMA annualized frequency (modeled), at a location in the county | not shown | modeled | see B1-f | No Storm Events record, 1996 to 2025. |
| Cold Wave | 0.895 | event-days per year | about 0.895 days per year | Possible | Storm Events event-days in 2 of 30 years, 1996 to 2025 (6.67%) | 17 | 2005-11-12 to 2024-11-12 (19 years) | countywide | |
| Drought | 0 | event-days per year | none modeled | Possible | Storm Events event-days in 1 of 30 years, 1996 to 2025 (3.33%) | 0 | 2000 to 2025 (25.25 years; D3 and D4 only) | countywide | NRI models no drought event-days here (2000 to 2025, 25.25 years; D3 and D4 only); Storm Events has a record in 1 of 30 years. The descriptor comes from Storm Events, which counts D2 drought that NRI leaves out. |
| Earthquake | 0.000329 | annual probability at a location | chance a given location in the county has at least minor-damage shaking in a year: 0.0329% | Unlikely | FEMA annualized frequency (modeled), at a location in the county | not shown | modeled | see B1-f | Storm Events does not record earthquakes. |
| Hail | 0.786 | events per year | about 0.79 per year | Likely | FEMA annualized frequency (modeled) | 31.3 (modeled) | 1986 to 2023 (38 years) | countywide | |
| Heat Wave | 0.737 | event-days per year | about 0.737 days per year | Possible | Storm Events event-days in 2 of 30 years, 1996 to 2025 (6.67%) | 12 | 2005-11-12 to 2024-11-12 (19 years) | countywide | |
| Hurricane | 0.01 | events per year | about 1 in 100 years | Possible | FEMA annualized frequency (modeled) | 0 | 1851 to 2024 (Atlantic) | see B1-f | NRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d. |
| Ice Storm | 0.0742 | event-days per year | about 0.0742 days per year | Likely | Storm Events event-days in 4 of 30 years, 1996 to 2025 (13.3%) | 4 | 1946-12-31 to 2014-02-12 (67 years) | countywide | |
| Inland Flooding | 0.607 | event-days per year | about 0.607 days per year | Likely | Storm Events event-days in 10 of 30 years, 1996 to 2025 (33.3%) | 17 | 1996 to 2023 (28 years) | see B1-f | |
| Landslide | 0.194 | events per year (modeled) | about 1 in 5 years | Likely | FEMA annualized frequency (modeled) | not shown | modeled | see B1-f | |
| Lightning | 25.8 | days per year with a strike | about 25.8 days per year | Highly likely | FEMA annualized frequency (modeled) | not shown | 1995 to 2023 (29 years; CONUS) | countywide | |
| Strong Wind | 0.877 | events per year | about 0.88 per year | Likely | FEMA annualized frequency (modeled) | 29 | 1986 to 2023 (38 years) | countywide | |
| Tornado | 0.0737 | events per year | about 1 in 14 years | Possible | FEMA annualized frequency (modeled) | not shown | 1950 to 2023 (EF2+); 1986 to 2023 (EF0-1) | see B1-f | |
| Tsunami | annual probability at the most exposed location (used in place of a county value) | Storm Events records in 0 of 30 years, 1996 to 2025 (0%) | not shown | modeled | see B1-f | No descriptor: no Storm Events record 1996 to 2025 | |||
| Wildfire | 0.0000832 | annual probability at a location | chance a given location in the county burns in a year: 0.00832% | Unlikely | FEMA annualized frequency (modeled), at a location in the county | not shown | modeled | see B1-f | No Storm Events record, 1996 to 2025. |
| Winter Weather | 30.8 | event-days per year | about 30.8 days per year | Highly likely | Storm Events event-days in 29 of 30 years, 1996 to 2025 (96.7%) | 586 | 2005-11-12 to 2024-11-12 (19 years) | countywide |
FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record; otherwise (always for earthquake) the scale is applied to the chance at a location, and the county as a whole is at least as likely. The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.
Descriptor scale used in this packet (defined per unit)
Sources: 5, 6
| Unit | Descriptor | Definition |
|---|---|---|
| events per year | Highly likely | 1 or more per year |
| events per year | Likely | about once in 1 to 10 years |
| events per year | Possible | about once in 10 to 100 years |
| events per year | Unlikely | less than once in 100 years |
| annual probability | Likely | 10% to under 100% chance in a given year |
| annual probability | Possible | 1% to under 10% chance in a given year |
| annual probability | Unlikely | under 1% chance in a given year |
| event-days (share of years) | Highly likely | event-days recorded in 90% or more of years |
| event-days (share of years) | Likely | event-days recorded in 10% to under 90% of years |
| event-days (share of years) | Possible | event-days recorded in some years but under 10% of years |
| lightning strike-days | Highly likely | cloud-to-ground strikes on 1 or more days per year |
Intensity bands: historical frequency (Storm Events)
Source: 6
| Hazard | Band | Years | Eventscounty-coded records | Years in period | Events per yearevents / years |
|---|---|---|---|---|---|
| Hail | 1.00-1.99 in | 1996 to 2025 | 25 | 30 | 0.833 |
| Hail | 2.00 in+ | 1996 to 2025 | 0 | 30 | 0 |
| Thunderstorm Wind (counted as NRI Strong Wind) | 50-64 kt | 1996 to 2025 | 59 | 30 | 1.97 |
| Thunderstorm Wind (counted as NRI Strong Wind) | 65 kt+ | 1996 to 2025 | 3 | 30 | 0.1 |
| Thunderstorm Wind (counted as NRI Strong Wind) | unmeasured or below 50 kt | 1996 to 2025 | 2 | 30 | 0.0667 |
| Tornado | EF0-1 | 1996 to 2025 | 0 | 30 | 0 |
| Tornado | EF2-3 | 1996 to 2025 | 0 | 30 | 0 |
| Tornado | EF4-5 | 1996 to 2025 | 0 | 30 | 0 |
| Tornado | unrated (EFU) | 1996 to 2025 | 1 | 30 | 0.0333 |
The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).
Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.
Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).
Supports FEMA checklist item B1-f: hazards that vary across jurisdictions
Natural hazards by jurisdiction: federal-data draft
Sources: 1, 3, 4, 5, 6, 9
Draft from federal data for the planning team to confirm and trim: FEMA National Risk Index census tract ratings (NRI v1.20, December 2025) and Census 2020 blocks. A row covers every 2020 census tract that holds part of the jurisdiction's area in this county. X: at least one of those tracts has an NRI rating (Very Low to Very High) for the hazard. o: NRI "No Rating" (no expected loss modeled; not "cannot occur"). Blank: NRI Not Applicable or Insufficient Data in those tracts (not rated; also not "cannot occur"). Census tracts are coarse, so rows that share the same tracts are identical.
| Jurisdiction | NRI hazard (X rated, o No Rating, blank Not Applicable or Insufficient Data) | Evidence from federal records | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | Cold Wave | Drought | Earthquake | Hail | Heat Wave | Hurricane | Ice Storm | Inland Flooding | Landslide | Lightning | Strong Wind | Tornado | Wildfire | Winter Weather | Event records naming the placeall years | Public Assistancematched by name; nominal dollars | Repetitive-loss propertiesany definition | |
| Grand Traverse County (area in no listed town or incorporated place) | X | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | $22,286.68 | 0 |
| Acme township | X | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 5 | 0 | |
| Blair township | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | 2 | |
| East Bay township | X | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | 1 | |
| Fife Lake township | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 7 | 0 | |
| Fife Lake village | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 7 | 0 | |
| Garfield charter township | X | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | $63,370.62 | 1 |
| Grant township | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | 0 | |
| Green Lake township | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | 0 | |
| Kingsley village | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 9 | 0 | |
| Long Lake township | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | 0 | |
| Mayfield township | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 3 | 0 | |
| Paradise township | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | 0 | |
| Peninsula township | X | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | $4,126.42 | 0 |
| Traverse City city (part in this county) | X | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 50 | $108,018.01 | 2 |
| Union township | o | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | 0 | |
| Whitewater township | X | X | o | X | X | X | X | X | X | X | X | X | X | X | X | 0 | 0 | |
Not shown: hazards NRI rates Not Applicable or Insufficient Data in every census tract of the county (Avalanche, Tsunami (Insufficient Data), Volcanic Activity).
Drought: NRI counts drought losses to crops only and models drought frequency from extreme and exceptional (D3 and D4) drought weeks since 2000, so a jurisdiction with little farmland or no D3 to D4 drought on record reads o; plans often treat drought as affecting the whole planning area.
Inland Flooding is X on every row because NRI rates inland flooding in every tract these rows touch; plans often mark only the jurisdictions with recurring flood problems or mapped flood zones.
Rows marked "part in this county" cover only the jurisdiction's area in this county.
Evidence columns repeat figures from the jurisdiction table of this section (event records naming the place, all years; Public Assistance matched by applicant name; repetitive-loss properties, any definition).
Range of census tract risk within the county
Source: 5
| Hazard | Tractsrated of all | NRI risk score, 0 to 100 | Tracts by rating | ||
|---|---|---|---|---|---|
| Min | Median | Max | |||
| Coastal Flooding | 9 of 23 | 73.3 | 77.1 | 81.8 | Relatively Low 5, Very Low 4, No Rating 14 |
| Cold Wave | 23 of 23 | 84.0 | 97.5 | 99.2 | Very High 16, Relatively High 7 |
| Drought | 0 of 23 | No Rating 23 | |||
| Earthquake | 23 of 23 | 0.3 | 4.2 | 13.7 | Very Low 23 |
| Hail | 23 of 23 | 40.3 | 61.4 | 79.4 | Relatively Moderate 5, Relatively Low 18 |
| Heat Wave | 23 of 23 | 3.7 | 10.5 | 16.1 | Very Low 23 |
| Hurricane | 23 of 23 | 17.9 | 24.7 | 29.9 | Very Low 23 |
| Ice Storm | 23 of 23 | 0.8 | 2.1 | 19.1 | Very Low 23 |
| Inland Flooding | 23 of 23 | 3.1 | 31.9 | 66.9 | Relatively Moderate 4, Relatively Low 14, Very Low 5 |
| Landslide | 23 of 23 | 52.7 | 80.1 | 96.2 | Relatively Moderate 1, Relatively Low 9, Very Low 13 |
| Lightning | 23 of 23 | 38.8 | 71.9 | 82.3 | Relatively High 6, Relatively Moderate 13, Relatively Low 4 |
| Strong Wind | 23 of 23 | 35.9 | 69.3 | 84.4 | Relatively High 3, Relatively Moderate 15, Relatively Low 5 |
| Tornado | 23 of 23 | 28.1 | 45.4 | 56.8 | Relatively Moderate 2, Relatively Low 20, Very Low 1 |
| Tsunami | 0 of 23 | Insufficient Data 23 | |||
| Wildfire | 23 of 23 | 30.2 | 58.8 | 75.8 | Relatively Low 4, Very Low 19 |
| Winter Weather | 23 of 23 | 93.5 | 99.0 | 99.6 | Very High 19, Relatively High 4 |
Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.
The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.
Frequency data for cold wave, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are.
Each jurisdiction (starting figures from federal data)
Sources: 1, 3, 4, 6
| Jurisdiction | Type | Plan status | Repetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definition | Public Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollars | Event records naming this placeall years; since its plan | Notes |
|---|---|---|---|---|---|---|
| Grand Traverse County | County | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | $22,286.68 | 0 total; 0 since its plan | |
| Fife Lake village | Village | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 7 total; 1 since its plan | 3 of the 7 event records naming this place use it as NOAA's reference point for a location 0.87 to 6.98 miles away (NOAA's distance). |
| Kingsley village | Village | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 9 total; 2 since its plan | 7 of the 9 event records naming this place use it as NOAA's reference point for a location 0.95 to 6 miles away (NOAA's distance). |
| Traverse City city | City | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 2 | $108,018.01 | 50 total; 9 since its plan | Includes $19,425.61 for declarations not counted as hazard incidents (DR-4494-MI). 31 of the 50 event records naming this place use it as NOAA's reference point for a location 0.49 to 9.5 miles away (NOAA's distance). |
| Acme township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 5 total; 2 since its plan | 3 of the 5 event records naming this place use it as NOAA's reference point for a location 1 to 2.08 miles away (NOAA's distance). |
| Blair township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 2 | no Public Assistance recorded | 0 total; 0 since its plan | |
| East Bay township | Township | Approved, expires 2027-09-27 | FMA RL 1, SRL 0; any 1 | no Public Assistance recorded | 0 total; 0 since its plan | |
| Fife Lake township | Township | Plan 107334 approved 2022-09-28, pending adoption here; not yet eligible | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 7 total; no approved plan | 3 of the 7 event records naming this place use it as NOAA's reference point for a location 0.87 to 6.98 miles away (NOAA's distance). |
| Garfield charter township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 1 | $63,370.62 | 0 total; 0 since its plan | |
| Grant township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 0 total; 0 since its plan | |
| Green Lake township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 0 total; 0 since its plan | |
| Long Lake township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 0 total; 0 since its plan | |
| Mayfield township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 3 total; 0 since its plan | 3 of the 3 event records naming this place use it as NOAA's reference point for a location 2.04 to 3.56 miles away (NOAA's distance). |
| Paradise township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 0 total; 0 since its plan | |
| Peninsula township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | $4,126.42 | 0 total; 0 since its plan | Includes $4,126.42 for declarations not counted as hazard incidents (DR-4494-MI). |
| Union township | Township | Plan 107334 approved 2022-09-28, pending adoption here; not yet eligible | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 0 total; no approved plan | |
| Whitewater township | Township | Approved, expires 2027-09-27 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 0 total; 0 since its plan |
Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).
County Public Assistance in B1-d also includes applicants filed under the county that are not matched to a jurisdiction row here (for example county offices and boards filed under their own names, such as a sheriff's office or a conservation board, and state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.
FEMA files applicants under varying names, so these rows may not include every payment to a jurisdiction. The county totals in B1-d count every applicant FEMA files under this county, whatever the name.
Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts
Local data needed
The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.
- Critical facilities and lifelines per hazard
- A problem statement per jurisdiction per hazard
- Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
- Future assets
County-level starter: exposure, expected annual loss and damage since the plan
Sources: 1, 2, 3, 5, 6, 7
| Hazard | Building exposuremodeled dollars | Agriculture exposuremodeled dollars | Population exposedpeople | EAL buildingsmodeled dollars per year | EAL agriculturemodeled dollars per year | Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage | EAL as % of exposurebuildings; agriculture where noted | Storm Events damage since 2022-09-28county-coded records, property plus crops, nominal dollars | Zone-level damage since planproperty plus crops, reported for the zone | Public Assistance since plannominal dollars; see note | Note |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | $1,871,805,033 | n/a | 863 | $7,798 | n/a | $585 | 0.000417% | ||||
| Cold Wave | $21,634,589,900 | $43,914,545 | 95,178 | $53 | $755,648 | $15,040,973 | under 0.0001% | ||||
| Drought | n/a | $0 | n/a | n/a | $0 | n/a | agriculture exposure is 0 in NRI | ||||
| Earthquake | $37,791,913,882 | n/a | 95,238 | $15,573 | n/a | $4,706 | under 0.0001% | ||||
| Hail | $21,634,589,900 | $43,914,545 | 95,178 | $264,145 | $38,044 | $70,320 | 0.00122% | $6,000 | |||
| Heat Wave | $21,634,589,900 | $43,914,545 | 95,178 | $1,233 | under $1 | $202,458 | under 0.0001% | ||||
| Hurricane | $21,634,589,900 | $43,914,545 | 95,178 | $5,560 | $676 | $2 | under 0.0001% | ||||
| Ice Storm | $21,634,589,900 | n/a | 95,178 | $3,823 | n/a | $2,136 | under 0.0001% | ||||
| Inland Flooding | $21,577,926,562 | $142,142 | 636 | $10,480,695 | $1,184 | $611 | n/a (see note) | $0 | $174,249.70 | NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b. | |
| Landslide | $620,316,483 | n/a | 2,814 | $1,817 | n/a | $14,520 | 0.000293% | ||||
| Lightning | $21,634,589,900 | n/a | 95,178 | $11,345 | n/a | $538,214 | under 0.0001% | $12,000 | |||
| Strong Wind | $21,634,589,900 | $43,914,545 | 95,178 | $540,612 | $1,405 | $320,313 | 0.0025% | $40,000 | $2,000 | Storm Events damage since the plan includes 1 zone-level Strong Wind record ($2,000): a NOAA non-thunderstorm wind type, outside NRI's Strong Wind definition. | |
| Tornado | $21,634,589,900 | $43,914,545 | 95,178 | $439,119 | $226 | $767,390 | 0.00203% | $174,249.70 | |||
| Tsunami | n/a | n/a | n/a | n/a | n/a | n/a | NRI publishes no building exposure for this county | ||||
| Wildfire | $2,742,471,435 | $8,851,571 | 20,831 | $15,859 | $6 | $2,749 | 0.000578% | ||||
| Winter Weather | $21,634,589,900 | $43,914,545 | 95,178 | $18,295 | $446 | $1,588,855 | under 0.0001% | $0 |
Totals since 2022-09-28 (Storm Events through 2026-06-30): 28 county-coded records, 22 with a damage value recorded (including $0), $58,000; 17 zone-level records, 5 with a damage value recorded (including $0), $2,000 reported for the zone; Public Assistance: $174,249.70 on 1 counted declaration.
FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.
NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.
Supports FEMA checklist item B2-a: vulnerability (county context)
County context
Source: 5
| Measure | Value |
|---|---|
| Population | 95,178 |
| Building value (total, not at risk) | $21,634,589,900 |
| Agriculture value (total, not at risk) | $43,914,545 |
| NRI risk rating (all hazards) | Relatively Low |
| Expected annual loss, buildings and agriculture, all hazards | $12,603,562 |
| Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage) | $18,553,833 |
| Social vulnerability rating | Very Low |
| Community resilience rating | Very High |
| NRI version | December 2025 |
FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.
Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.
Supports FEMA checklist item B2-c: repetitive loss properties
Repetitive loss in this county, both definitions
Sources: 1, 4
| Definition | Properties | Severe repetitive loss | Properties |
|---|---|---|---|
| Repetitive loss, FMA definition (44 CFR 77.2) | 1 | Severe repetitive loss, FMA definition (44 CFR 77.2) | 0 |
| Repetitive loss, NFIP insurance definition | 5 | Severe repetitive loss, NFIP insurance definition | 0 |
The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).
Repeat-flood properties: county and state-level rows
Sources: 1, 4
| Scope | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|
| County total | 1 | 0 | 5 | 0 | 6 | 0 | 4 |
| of which: Traverse City city | 0 | 0 | 2 | 0 | 2 | 0 | 2 |
| of which: East Bay township | 1 | 0 | 0 | 0 | 1 | 0 | 1 |
| of which: Garfield charter township | 0 | 0 | 1 | 0 | 1 | 0 | 0 |
| of which: Blair township | 0 | 0 | 2 | 0 | 2 | 0 | 1 |
| Statewide, no county in FEMA's file | 0 | 0 | 4 | 0 | 4 | 0 | 0 |
The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.
Repeat-flood properties by jurisdiction in the plan (NFIP community)
Sources: 1, 4
| Jurisdiction | NFIP community ID | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|---|
| Grand Traverse County | 261880 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fife Lake village | 260406 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Kingsley village | 261878 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Traverse City city | 260082 | 0 | 0 | 2 | 0 | 2 | 0 | 2 |
| Acme township | 260749 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Blair township | 260780 | 0 | 0 | 2 | 0 | 2 | 0 | 1 |
| East Bay township | 260746 | 1 | 0 | 0 | 0 | 1 | 0 | 1 |
| Fife Lake township | 260405 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Garfield charter township | 260753 | 0 | 0 | 1 | 0 | 1 | 0 | 0 |
| Grant township | 261802 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Green Lake township | 261877 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Lake township | 260782 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Mayfield township | 261879 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Paradise township | 260830 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Peninsula township | 260747 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Union township | 260805 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Whitewater township | 260794 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".
Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.
County repeat-flood properties by occupancy group
Sources: 1, 4
| Occupancy group | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|
| single-family residential | 1 | 0 | 4 | 0 | 5 | 0 | 4 |
| 2 to 4 unit residential | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other residential | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| non-residential | 0 | 0 | 1 | 0 | 1 | 0 | 0 |
| not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.
FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.
Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.
In this county 1 property is FMA repetitive loss but not NFIP repetitive loss, and 5 properties are NFIP repetitive loss but not FMA repetitive loss.
Exact counts; no count suppression.
Sources
Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):
- FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
- FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
- FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
- FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
- FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
- NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
- NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
- U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)
- U.S. Census Bureau, Census 2020 Block Assignment Files (county subdivision and place), version baf2020, pulled 2026-10-02, https://www2.census.gov/geo/docs/maps-data/data/baf2020/, https://www2.census.gov/programs-surveys/decennial/2020/data/01-Redistricting_File--PL_94-171/
- U.S. Census Bureau, Census county adjacency file, 2024 vintage, version 2024, pulled 2026-10-03, https://www2.census.gov/geo/docs/reference/county_adjacency/county_adjacency2024.txt
- NOAA National Hurricane Center, NHC HURDAT2 best-track data (Atlantic 1851 to 2025; Northeast and North Central Pacific 1949 to 2025), version 2025-092326, pulled 2026-10-03, https://www.nhc.noaa.gov/data/hurdat/hurdat2-1851-2025-092326.txt, https://www.nhc.noaa.gov/data/hurdat/hurdat2-nepac-1949-2025-092926.txt
What this packet is and what the plan adds
This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.
The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.
How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.
OpenFEMA disclaimer
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Reuse, citation and corrections
Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.
Cite this: Hazard Plain (2026). Grand Traverse County, MI: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 26055). Automated baseline. https://hazardplain.org/mi/26055/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.
Corrections: to report an error, name the packet, the table and what your records show. Contact: contact@hazardplain.org