Natural hazards · Armada

Armada, MI natural hazards

Most of the natural-hazard damage FEMA expects in Armada comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2004.

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

Expected damage

How exposed is Armada?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Armada to be higher than in 36% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding61%Tornadoes18%Cold waves13%Everything else8%

By hazard

What Armada faces

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

Inland flooding

61% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 74 years in the area

Cold waves

13% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Armada flood?

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

1paid claims since 2004

$34Kpaid to owners

0homes flooded more than once

20042026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Macomb County.

Disasters that hit Armada

Federal disasters declared here

None of the disasters declared for Macomb County shows FEMA aid or repair money reaching Armada itself in FEMA’s records.

Brought FEMA money into ArmadaDeclared for Macomb County only

Macomb County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Armada

Armada and the towns around it

Very lowLowModerateHighVery high

Berlinmostly inland floodingModerate

Raymostly inland floodingModerate

Armadamostly inland floodingLow

Richmondmostly inland floodingLow

Brucemostly 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. Armada covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Armada’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Armada. 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 Armada total about $1.9M 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.