Natural hazards · Chesterfield

Chesterfield, MI natural hazards

Most of the natural-hazard damage FEMA expects in Chesterfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 107 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Chesterfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chesterfield to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes20%Cold waves16%Everything else9%

By hazard

What Chesterfield faces

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

Inland flooding

55% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

20% of expected damage

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

Cold waves

16% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Chesterfield flood?

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

107paid claims since 1979

$1.1Mpaid to owners

5homes flooded more than once

19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Chesterfield 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 Chesterfield

5 federal disasters brought FEMA money here

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

Brought FEMA money into ChesterfieldDeclared for Macomb County only

2023

Severe Storms, Tornadoes, and Flooding

443 households applied for aid $940K aid approved

2021

Severe Storms, Flooding, and Tornadoes

11 households applied for aid

2014

Severe Storms and Flooding

42 households applied for aid $34K aid approved

2004

Severe Storms, Tornadoes, and Flooding

33 households applied for aid $13K aid approved

2000

Snow

$3K to the Township of Chesterfield for repairs

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

Around Chesterfield

Chesterfield and the towns around it

Very lowLowModerateHighVery high

Macombmostly inland floodingHigh

Harrisonmostly inland floodingModerate

New Baltimoremostly inland floodingLow

Chesterfieldmostly inland floodingLow

Iramostly inland floodingLow

Lenoxmostly 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. Chesterfield covers 11 census tracts, combined by population.

Money that reached townFlood claims are matched to Chesterfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Chesterfield. 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 Chesterfield total about $13.1M 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.