Natural hazards · Harrison

Harrison, MI natural hazards

Most of the natural-hazard damage FEMA expects in Harrison comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 245 claims here since 1979.

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

Expected damage

How exposed is Harrison?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrison to be higher than in 53% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding60%Tornadoes20%Cold waves13%Everything else7%

By hazard

What Harrison faces

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

Inland flooding

60% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

20% of expected damage

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

Cold waves

13% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Harrison flood?

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

245paid claims since 1979

$1.0Mpaid to owners

14homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 1 claim, $20K

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

No community discount. Harrison 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 Harrison

Federal disasters declared here

None of the disasters declared for Macomb County shows FEMA aid or repair money reaching Harrison itself in FEMA’s records.

Brought FEMA money into HarrisonDeclared for Macomb County only

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

Around Harrison

Harrison and the towns around it

Very lowLowModerateHighVery high

Harrisonmostly inland floodingModerate

Clintonmostly inland floodingModerate

Mount Clemensmostly inland floodingLow

Chesterfieldmostly 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. Harrison covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Harrison’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harrison. 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 Harrison total about $8.7M 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.