Natural hazards · Albion

Albion, MI natural hazards

Most of the natural-hazard damage FEMA expects in Albion comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 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 Albion?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albion to be higher than in 14% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes23%Strong wind15%Cold waves9%Hail7%Everything else6%

By hazard

What Albion faces

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

Inland flooding

41% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

23% of expected damage

Well above average · higher than 86% of U.S. places

Strong wind

15% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Cold waves

9% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Hail

7% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesIce 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 Albion flood?

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

2paid claims since 1982

$5Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

Hurricane Ike: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Calhoun County.

Disasters that hit Albion

1 federal disaster brought FEMA money here

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

Brought FEMA money into AlbionDeclared for Calhoun County only

2000

Snow

$6K to the City of Albion for repairs

Calhoun County has had 6 natural disasters declared since 1953, most often winter storms and floods.

Around Albion

Albion and the towns around it

Very lowLowModerateHighVery high

Albionmostly inland floodingLow

Sheridanmostly inland floodingLow

Albionmostly inland floodingVery low

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. Albion covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Albion’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Albion. 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 Albion total about $488K 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.