Natural hazards · Hamburg

Hamburg, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hamburg comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 53 claims here since 1981. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Hamburg?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamburg to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes23%Cold waves11%Strong wind7%Everything else6%

By hazard

What Hamburg faces

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

Inland flooding

53% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 82% of U.S. places

Cold waves

11% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Hamburg flood?

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

53paid claims since 1981

$689Kpaid to owners

7homes flooded more than once

19812026

Biggest named events

Hurricane Ike: 3 claims, $46K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 05% off flood insurance. Hamburg is in FEMA’s Community Rating System (class 9) for its flood-proofing work.

Insurance rates: Livingston County.

Disasters that hit Hamburg

1 federal disaster brought FEMA money here

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

Brought FEMA money into HamburgDeclared for Livingston County only

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid

Livingston County has had 6 natural disasters declared since 1953, most often floods and winter storms.

Around Hamburg

Hamburg and the towns around it

Very lowLowModerateHighVery high

Putnammostly inland floodingLow

Hamburgmostly inland floodingLow

Webstermostly inland floodingLow

Green Oakmostly inland floodingLow

Genoamostly inland floodingVery low

Brightonmostly 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. Hamburg covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Hamburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hamburg. 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 Hamburg total about $6.4M 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.