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Natural hazards · Flat Rock

Flat Rock, MI natural hazards

Most of the natural-hazard damage FEMA expects in Flat Rock comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 12 claims here since 1982. 5 federal disasters brought FEMA money into town.

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

How exposed is Flat Rock?

21
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flat Rock to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves13%Tornadoes11%Heat waves7%Everything else8%
By hazard

What Flat Rock faces

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

Inland flooding

61% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 3 times a year in the area

Cold waves

13% of expected damage
Below average · higher than 31% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

11% of expected damage
Above average · higher than 54% of U.S. places

Heat waves

7% of expected damage
Below average · higher than 36% of U.S. places
Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Flat Rock flood?

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

12paid claims since 1982
$68Kpaid to owners
0homes flooded more than once
19822026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Flat Rock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wayne County.
Disasters that hit Flat Rock

5 federal disasters brought FEMA money here

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

Brought FEMA money into Flat RockDeclared for Wayne County only
2023

Severe Storms, Tornadoes, and Flooding

211 households applied for aid $327K aid approved
2021

Severe Storms, Flooding, and Tornadoes

28 households applied for aid $17K aid approved
2014

Severe Storms and Flooding

20 households applied for aid $17K aid approved
2004

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $2K aid approved
1999

Mi - Severe Weather 1/2 /99

$6K to the City of Flat Rock for repairs
Wayne County has had 14 natural disasters declared since 1953, most often severe storms and floods.
Around Flat Rock

Flat Rock and the towns around it

Berlin: Moderate, mostly inland floodingRockwood: Very low, mostly inland floodingSouth Rockwood: Moderate, mostly inland floodingBrownstown: Very low, mostly inland floodingWoodhaven: Low, mostly inland floodingHuron: Very low, mostly inland floodingFrenchtown: Moderate, mostly inland floodingEstral Beach: Moderate, mostly inland floodingAsh: Low, mostly inland floodingGibraltar: Very low, mostly inland floodingGrosse Ile: Low, mostly inland floodingRiverview: Very low, mostly inland floodingTaylor: Low, mostly inland floodingTrenton: Low, mostly inland floodingRomulus: Very low, mostly inland floodingSumpter: Low, mostly inland floodingFlat Rock: Low, mostly inland flooding Flat RockBerlinRockwoodSouth RockwoodBrownstownWoodhavenHuron
Very lowLowModerateHighVery high
South Rockwoodmostly inland floodingModerate
Berlinmostly inland floodingModerate
Woodhavenmostly inland floodingLow
Flat Rockmostly inland floodingLow
Rockwoodmostly inland floodingVery low
Brownstownmostly inland floodingVery low
Huronmostly 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. Flat Rock covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Flat Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Flat Rock. 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 Flat Rock total about $2.6M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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