Natural hazards · Gibraltar

Gibraltar, MI natural hazards

Most of the natural-hazard damage FEMA expects in Gibraltar comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 459 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gibraltar?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gibraltar to be higher than in 16% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves15%Tornadoes10%Heat waves8%Everything else7%

By hazard

What Gibraltar 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 37% of U.S. places

Recorded about 3 times a year in the area

Cold waves

15% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

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

Heat waves

8% 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 Gibraltar flood?

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

459paid claims since 1978

$2.5Mpaid to owners

5homes flooded more than once

19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Gibraltar is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Wayne County.

What’s been done with FEMA grants

23homes raised above flood level

Disasters that hit Gibraltar

4 federal disasters brought FEMA money here

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

Brought FEMA money into GibraltarDeclared for Wayne County only

2023

Severe Storms, Tornadoes, and Flooding

125 households applied for aid $239K aid approved

2021

Severe Storms, Flooding, and Tornadoes

4 households applied for aid

2014

Severe Storms and Flooding

2 households applied for aid $1K aid approved

1999

Mi - Severe Weather 1/2 /99

$5K to the City of Gibraltar for repairs

Wayne County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Gibraltar

Gibraltar and the towns around it

Very lowLowModerateHighVery high

Grosse Ilemostly inland floodingLow

Brownstownmostly inland floodingVery low

Gibraltarmostly 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. Gibraltar covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gibraltar’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gibraltar. 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 Gibraltar total about $1.1M 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.