Natural hazards · Florence

Florence, MI natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2018.

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

Expected damage

How exposed is Florence?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding60%Tornadoes8%Cold waves8%Strong wind7%Hail5%Drought5%Everything else6%

By hazard

What Florence faces

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

Inland flooding

60% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 7 years in the area

Tornadoes

8% of expected damage

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

Recorded about once every 37 years in the area

Cold waves

8% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 5 times a year in the area

Hail

5% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 3 times a year in the area

Drought

5% of expected damage

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Florence flood?

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

1paid claims since 2018

$35Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Joseph County.

Disasters that hit Florence

Federal disasters declared here

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

Brought FEMA money into FlorenceDeclared for St. Joseph County only

St. Joseph County has had 6 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Florence

Florence and the towns around it

Very lowLowModerateHighVery high

Constantinemostly inland floodingModerate

Florencemostly inland floodingModerate

Shermanmostly inland floodingLow

White Pigeonmostly 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. Florence covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Florence’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Florence. 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 Florence total about $991K 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.