Natural hazards · Clarence

Clarence, MI natural hazards

Most of the natural-hazard damage FEMA expects in Clarence comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1989.

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

Expected damage

How exposed is Clarence?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clarence to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes19%Strong wind13%Cold waves10%Everything else9%

By hazard

What Clarence faces

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

Inland flooding

50% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 19 years in the area

Strong wind

13% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Cold waves

10% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 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 Clarence flood?

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

2paid claims since 1989

$7Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Calhoun County.

Disasters that hit Clarence

Federal disasters declared here

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

Brought FEMA money into ClarenceDeclared for Calhoun County only

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

Around Clarence

Clarence and the towns around it

Very lowLowModerateHighVery high

Clarencemostly inland floodingLow

Leemostly inland floodingLow

Brookfieldmostly inland floodingLow

Springportmostly inland floodingLow

Sheridanmostly 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. Clarence is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Clarence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Clarence. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.