Natural hazards · Cambria

Cambria, MI natural hazards

Most of the natural-hazard damage FEMA expects in Cambria comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Cambria?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cambria to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes22%Cold waves11%Everything else16%

By hazard

What Cambria faces

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

Inland flooding

52% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once every 6 years in the area

Tornadoes

22% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 42 years in the area

Cold waves

11% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Cambria flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hillsdale County.

Disasters that hit Cambria

Federal disasters declared here

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

Brought FEMA money into CambriaDeclared for Hillsdale County only

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

Around Cambria

Cambria and the towns around it

Very lowLowModerateHighVery high

Ransommostly inland floodingLow

Cambriamostly inland floodingLow

Readingmostly inland floodingLow

Hillsdalemostly inland floodingLow

Woodbridgemostly inland floodingLow

Jeffersonmostly inland floodingLow

Hillsdalemostly 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. Cambria covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cambria’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Cambria. 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 Cambria total about $1.4M 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.