Natural hazards · Elmwood

Elmwood, MI natural hazards

Most of the natural-hazard damage FEMA expects in Elmwood comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1986.

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

Expected damage

How exposed is Elmwood?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elmwood to be higher than in 68% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding70%Cold waves16%Everything else14%

By hazard

What Elmwood faces

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

Inland flooding

70% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Cold waves

16% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Elmwood flood?

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

7paid claims since 1986

$152Kpaid to owners

0homes flooded more than once

19862026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Elmwood 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 Elmwood

Federal disasters declared here

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

Brought FEMA money into ElmwoodDeclared for Tuscola County only

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

Around Elmwood

Elmwood and the towns around it

Very lowLowModerateHighVery high

Ellingtonmostly inland floodingHigh

Elmwoodmostly inland floodingHigh

Elklandmostly inland floodingHigh

Brookfieldmostly inland floodingModerate

Columbiamostly 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. Elmwood 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 Elmwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Elmwood. 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.