Natural hazards · Bruce

Bruce, MI natural hazards

Most of the natural-hazard damage FEMA expects in Bruce comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Bruce?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bruce to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes22%Cold waves15%Everything else10%

By hazard

What Bruce faces

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

Inland flooding

54% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

22% of expected damage

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

Cold waves

15% 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 Bruce flood?

FEMA's records show no paid flood insurance claims in Bruce.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bruce 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 Bruce

1 federal disaster brought FEMA money here

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

Brought FEMA money into BruceDeclared for Macomb County only

2004

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $8K aid approved

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

Around Bruce

Bruce and the towns around it

Very lowLowModerateHighVery high

Almontmostly inland floodingLow

Armadamostly inland floodingLow

Brucemostly inland floodingLow

Washingtonmostly inland floodingLow

Addisonmostly 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. Bruce covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Bruce’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Bruce. 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 Bruce total about $3.6M 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.