Natural hazards · Franklin

Franklin, MI natural hazards

Most of the natural-hazard damage FEMA expects in Franklin comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2020. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Franklin?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 13% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes26%Cold waves11%Everything else10%

By hazard

What Franklin faces

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

Inland flooding

54% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once a year in the area

Tornadoes

26% of expected damage

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

Cold waves

11% of expected damage

Above average · higher than 52% 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 Franklin flood?

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

1paid claims since 2020

$2Kpaid to owners

0homes flooded more than once

20202026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oakland County.

Disasters that hit Franklin

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Franklin itself: aid to households, or repair grants to the Village of Franklin.

Brought FEMA money into FranklinDeclared for Oakland County only

2023

Severe Storms, Tornadoes, and Flooding

15 households applied for aid $32K aid approved

2021

Severe Storms, Flooding, and Tornadoes

5 households applied for aid $480 aid approved

2014

Severe Storms and Flooding

6 households applied for aid $14K aid approved

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2000

Snow

$5K to the Village of Franklin for repairs

Oakland County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Franklin

Franklin and the towns around it

Very lowLowModerateHighVery high

Southfieldmostly inland floodingLow

Bloomfieldmostly inland floodingVery low

Southfieldmostly inland floodingVery low

Franklinmostly inland floodingVery low

Bingham Farmsmostly 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. Franklin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Franklin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Franklin. 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 Franklin total about $1.8M 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.