Natural hazards · Carrollton

Carrollton, MI natural hazards

Most of the natural-hazard damage FEMA expects in Carrollton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 28 claims here since 1981. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Carrollton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carrollton to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding67%Cold waves14%Tornadoes11%Everything else9%

By hazard

What Carrollton faces

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

Inland flooding

67% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 68% of U.S. places

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 Carrollton flood?

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

28paid claims since 1981

$106Kpaid to owners

3homes flooded more than once

19812026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Saginaw County.

Disasters that hit Carrollton

2 federal disasters brought FEMA money here

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

Brought FEMA money into CarrolltonDeclared for Saginaw County only

2026

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $68K aid approved

2020

Severe Storms and Flooding

1 household applied for aid

Saginaw County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Carrollton

Carrollton and the towns around it

Very lowLowModerateHighVery high

Carrolltonmostly inland floodingHigh

Zilwaukeemostly inland floodingHigh

Saginawmostly inland floodingModerate

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. Carrollton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Carrollton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Carrollton. 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 Carrollton total about $2.3M 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.