Natural hazards · Deerfield

Deerfield, MI natural hazards

Most of the natural-hazard damage FEMA expects in Deerfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1982.

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

Expected damage

How exposed is Deerfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Deerfield to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves20%Tornadoes18%Strong wind8%Everything else5%

By hazard

What Deerfield faces

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

Inland flooding

49% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once every 2 years in the area

Cold waves

20% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

18% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 70 years in the area

Strong wind

8% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 5 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 Deerfield flood?

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

4paid claims since 1982

$30Kpaid to owners

1homes flooded more than once

19822026

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lapeer County.

Disasters that hit Deerfield

Federal disasters declared here

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

Brought FEMA money into DeerfieldDeclared for Lapeer County only

Lapeer County has had 8 natural disasters declared since 1953, most often floods and winter storms.

Around Deerfield

Deerfield and the towns around it

Very lowLowModerateHighVery high

Marathonmostly inland floodingLow

Richmostly inland floodingLow

Deerfieldmostly inland floodingLow

Mayfieldmostly inland floodingLow

North Branchmostly inland floodingVery low

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. Deerfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Deerfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Deerfield. 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 Deerfield total about $1.6M 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.