Natural hazards · Cambridge

Cambridge, MI natural hazards

Most of the natural-hazard damage FEMA expects in Cambridge 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 Cambridge?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cambridge to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes21%Cold waves14%Strong wind8%Everything else11%

By hazard

What Cambridge faces

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

Inland flooding

46% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 65 years in the area

Cold waves

14% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce 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 Cambridge flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lenawee County.

Disasters that hit Cambridge

Federal disasters declared here

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

Brought FEMA money into CambridgeDeclared for Lenawee County only

Lenawee County has had 4 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Cambridge

Cambridge and the towns around it

Very lowLowModerateHighVery high

Norvellmostly inland floodingLow

Romemostly inland floodingLow

Franklinmostly inland floodingLow

Cambridgemostly inland floodingLow

Woodstockmostly 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. Cambridge covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cambridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Cambridge. 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 Cambridge 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.