Natural hazards · Hampton

Hampton, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hampton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1983. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Hampton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hampton to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding65%Cold waves14%Tornadoes10%Strong wind6%Everything else6%

By hazard

What Hampton faces

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

Inland flooding

65% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 71% of U.S. places

Strong wind

6% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Hampton flood?

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

7paid claims since 1983

$43Kpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bay County.

Disasters that hit Hampton

1 federal disaster brought FEMA money here

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

Brought FEMA money into HamptonDeclared for Bay County only

2000

Snow

$5K to the Township of Hampton for repairs

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

Around Hampton

Hampton and the towns around it

Very lowLowModerateHighVery high

Hamptonmostly inland floodingHigh

Essexvillemostly inland floodingModerate

Merrittmostly inland floodingModerate

Portsmouthmostly inland floodingModerate

Bay Citymostly inland floodingModerate

Bangormostly inland floodingModerate

Wisnermostly 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. Hampton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Hampton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hampton. 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 Hampton total about $4.6M 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.