Natural hazards · Adrian

Adrian, MI natural hazards

Most of the natural-hazard damage FEMA expects in Adrian comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1982. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Adrian?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Adrian to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes19%Cold waves16%Strong wind8%Everything else11%

By hazard

What Adrian faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

47% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 83% of U.S. places

Cold waves

16% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Adrian flood?

Every paid claim on a federal flood insurance policy in Adrian, from FEMA’s records.

5paid claims since 1982

$14Kpaid to owners

1homes flooded more than once

19822026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Adrian isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lenawee County.

Disasters that hit Adrian

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Adrian itself: aid to households, or repair grants to the City of Adrian.

Brought FEMA money into AdrianDeclared for Lenawee County only

1999

Mi - Severe Weather 1/2 /99

$15K to the City of Adrian for repairs

Lenawee County has had 4 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Adrian

Adrian and the towns around it

Very lowLowModerateHighVery high

Adrianmostly inland floodingLow

Madisonmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Adrian covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Adrian’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Adrian. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Adrian total about $5.9M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.