Natural hazards · Croswell

Croswell, MI natural hazards

Most of the natural-hazard damage FEMA expects in Croswell comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2003. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Croswell?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Croswell to be higher than in 55% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves36%Tornadoes6%Everything else8%

By hazard

What Croswell 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

Well above average · higher than 76% of U.S. places

Recorded about once every 3 years in the area

Cold waves

36% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once every 72 years in the area

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 Croswell flood?

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

1paid claims since 2003

$3Kpaid to owners

0homes flooded more than once

20032026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sanilac County.

Disasters that hit Croswell

2 federal disasters brought FEMA money here

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

Brought FEMA money into CroswellDeclared for Sanilac County only

2004

Severe Storms, Tornadoes, and Flooding

37 households applied for aid $64K aid approved

2000

Snow

$7K to the City of Croswell for repairs

Sanilac County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

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. Croswell 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 Croswell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Croswell. 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.