Natural hazards · Fraser

Fraser, MI natural hazards

Most of the natural-hazard damage FEMA expects in Fraser comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 2012. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fraser?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fraser to be higher than in 35% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes24%Cold waves15%Everything else10%

By hazard

What Fraser faces

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

Inland flooding

51% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

24% of expected damage

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

Cold waves

15% of expected damage

Above average · higher than 53% 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 Fraser flood?

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

5paid claims since 2012

$60Kpaid to owners

0homes flooded more than once

20122026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Macomb County.

Disasters that hit Fraser

5 federal disasters brought FEMA money here

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

Brought FEMA money into FraserDeclared for Macomb County only

2023

Severe Storms, Tornadoes, and Flooding

129 households applied for aid $329K aid approved

2021

Severe Storms, Flooding, and Tornadoes

23 households applied for aid $23K aid approved

2014

Severe Storms and Flooding

73 households applied for aid $62K aid approved

2004

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $959 aid approved

2000

Snow

$9K to the City of Fraser for repairs

Macomb County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Fraser

Fraser and the towns around it

Very lowLowModerateHighVery high

Clintonmostly inland floodingModerate

Frasermostly inland floodingLow

Rosevillemostly 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. Fraser covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Fraser’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fraser. 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 Fraser total about $4.7M 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.