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Natural hazards · Dearborn

Dearborn, MI natural hazards

Most of the natural-hazard damage FEMA expects in Dearborn comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 53 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 Dearborn?

33
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dearborn to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding59%Cold waves15%Tornadoes11%Heat waves8%Everything else8%
By hazard

What Dearborn faces

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

Inland flooding

59% of expected damage
Above average · higher than 59% of U.S. places
Recorded about 3 times a year in the area

Cold waves

15% of expected damage
Below average · higher than 31% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

11% of expected damage
Above average · higher than 57% of U.S. places

Heat waves

8% of expected damage
Below average · higher than 37% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Dearborn flood?

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

53paid claims since 1979
$410Kpaid to owners
1homes 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. Dearborn isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wayne County.
Disasters that hit Dearborn

5 federal disasters brought FEMA money here

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

Brought FEMA money into DearbornDeclared for Wayne County only
2023

Severe Storms, Tornadoes, and Flooding

5,312 households applied for aid $23.8M aid approved
2021

Severe Storms, Flooding, and Tornadoes

9,711 households applied for aid $27.4M aid approved $2.8M to the City of Dearborn for repairs
2014

Severe Storms and Flooding

7,744 households applied for aid $10.7M aid approved $1.2M to the City of Dearborn for repairs
2004

Severe Storms, Tornadoes, and Flooding

151 households applied for aid $76K aid approved
1999

Mi - Severe Weather 1/2 /99

$85K to the City of Dearborn for repairs
Wayne County has had 14 natural disasters declared since 1953, most often severe storms and floods.
Around Dearborn

Dearborn and the towns around it

Detroit: Low, mostly inland floodingMelvindale: Low, mostly inland floodingDearborn Heights: Low, mostly inland floodingAllen Park: Moderate, mostly inland floodingRiver Rouge: Low, mostly inland floodingGrosse Pointe Park: Moderate, mostly inland floodingHarper Woods: Very high, mostly inland floodingRedford: Very low, mostly inland floodingLincoln Park: Moderate, mostly inland floodingWarren: Low, mostly inland floodingGrosse Pointe Woods: Very high, mostly inland floodingHazel Park: Low, mostly inland floodingEcorse: Moderate, mostly inland floodingInkster: Very low, mostly inland floodingWestland: Very low, mostly inland floodingTaylor: Low, mostly inland floodingSouthgate: Low, mostly inland floodingDearborn: Low, mostly inland flooding DearbornDetroitMelvindaleDearborn HeightsAllen Park
Very lowLowModerateHighVery high
Allen Parkmostly inland floodingModerate
Dearbornmostly inland floodingLow
Melvindalemostly inland floodingLow
Dearborn Heightsmostly inland floodingLow
Detroitmostly 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. Dearborn covers 30 census tracts, combined by population.
Money that reached townFlood claims are matched to Dearborn’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Dearborn. 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 Dearborn total about $25.0M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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