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Natural hazards · Hamtramck

Hamtramck, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hamtramck comes from inland flooding, and overall the risk is very low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Hamtramck?

14
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamtramck to be higher than in 14% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves22%Tornadoes14%Heat waves12%Everything else8%
By hazard

What Hamtramck faces

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

Inland flooding

44% of expected damage
Below average · higher than 34% of U.S. places
Recorded about 3 times a year in the area

Cold waves

22% of expected damage
Below average · higher than 31% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

14% of expected damage
Above average · higher than 57% of U.S. places

Heat waves

12% of expected damage
Below average · higher than 36% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Hamtramck flood?

FEMA's records show no paid flood insurance claims in Hamtramck.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Hamtramck isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wayne County.
Disasters that hit Hamtramck

5 federal disasters brought FEMA money here

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

Brought FEMA money into HamtramckDeclared for Wayne County only
2023

Severe Storms, Tornadoes, and Flooding

1,677 households applied for aid $6.5M aid approved
2021

Severe Storms, Flooding, and Tornadoes

2,807 households applied for aid $6.7M aid approved $75K to the City of Hamtramck for repairs
2014

Severe Storms and Flooding

2,313 households applied for aid $3.0M aid approved $90K to the City of Hamtramck for repairs
2004

Severe Storms, Tornadoes, and Flooding

215 households applied for aid $87K aid approved
1999

Mi - Severe Weather 1/2 /99

$57K to the City of Hamtramck for repairs
Wayne County has had 14 natural disasters declared since 1953, most often severe storms and floods.
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. Hamtramck covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to Hamtramck’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hamtramck. 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 Hamtramck total about $4.4M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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