Natural hazards · Ellington

Ellington, MI natural hazards

Most of the natural-hazard damage FEMA expects in Ellington comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Ellington?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ellington to be higher than in 77% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding67%Cold waves17%Tornadoes7%Everything else10%

By hazard

What Ellington faces

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

Inland flooding

67% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 36 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 Ellington flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tuscola County.

Disasters that hit Ellington

Federal disasters declared here

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

Brought FEMA money into EllingtonDeclared for Tuscola County only

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

Around Ellington

Ellington and the towns around it

Very lowLowModerateHighVery high

Ellingtonmostly inland floodingHigh

Almermostly inland floodingHigh

Novestamostly inland floodingHigh

Wellsmostly inland floodingHigh

Elmwoodmostly inland floodingHigh

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. Ellington covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ellington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Ellington. 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 Ellington total about $1.9M 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.