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. 3 federal disasters brought FEMA money into town.

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

$13Kpaid 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

3 federal disasters brought FEMA money here

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

Brought FEMA money into ArmadaDeclared for Macomb County only

2023

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $8K aid approved

2021

Severe Storms, Flooding, and Tornadoes

8 households applied for aid $4K aid approved

2004

Severe Storms, Tornadoes, and Flooding

22 households applied for aid $52K aid approved

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

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 is smaller than a census tract, so it shares the figures of the tract around its center.

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 Village of Armada. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

Armada, MI natural hazards

How exposed is Armada?

What Armada faces

Inland flooding

Tornadoes

Cold waves

Lower here

Not a risk here

Does Armada flood?

3 federal disasters brought FEMA money here

Severe Storms, Tornadoes, and Flooding

Severe Storms, Flooding, and Tornadoes

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

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