Natural hazards · Durand

Durand, MI natural hazards

Most of the natural-hazard damage FEMA expects in Durand comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Durand?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Durand to be higher than in 37% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding33%Tornadoes25%Cold waves25%Strong wind11%Everything else6%

By hazard

What Durand faces

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

Inland flooding

33% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

25% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 87 years in the area

Cold waves

25% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Strong wind

11% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 6 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 Durand flood?

FEMA's records show no paid flood insurance claims in Durand.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shiawassee County.

Disasters that hit Durand

2 federal disasters brought FEMA money here

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

Brought FEMA money into DurandDeclared for Shiawassee County only

2004

Severe Storms, Tornadoes, and Flooding

11 households applied for aid $10K aid approved

2000

Snow

$5K to the City of Durand for repairs

Shiawassee County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Durand

Durand and the towns around it

Very lowLowModerateHighVery high

Durandmostly inland floodingLow

Vernonmostly 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. Durand covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Durand’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Durand. 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 Durand total about $1.2M 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.