Natural hazards · Fayette

Fayette, MI natural hazards

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

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

Expected damage

How exposed is Fayette?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fayette to be higher than in 17% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes25%Cold waves9%Everything else18%

By hazard

What Fayette faces

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

Inland flooding

48% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 6 years in the area

Tornadoes

25% of expected damage

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

Recorded about once every 61 years in the area

Cold waves

9% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year 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 Fayette flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hillsdale County.

Disasters that hit Fayette

Federal disasters declared here

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

Brought FEMA money into FayetteDeclared for Hillsdale County only

Hillsdale County has had 6 natural disasters declared since 1953, most often winter storms and tornadoes.

Around Fayette

Fayette and the towns around it

Very lowLowModerateHighVery high

Scipiomostly inland floodingLow

Hillsdalemostly inland floodingLow

Allenmostly inland floodingLow

Litchfieldmostly inland floodingLow

Fayettemostly inland floodingVery low

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