Natural hazards · Hartland

Hartland, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hartland comes from inland flooding, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hartland?

Very low

vs. U.S. communities

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

Inland flooding44%Tornadoes28%Cold waves13%Strong wind9%Everything else7%

By hazard

What Hartland 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

Well below average · higher than 16% of U.S. places

Recorded about once a year in the area

Tornadoes

28% of expected damage

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

Cold waves

13% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 95% 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 Hartland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Livingston County.

Disasters that hit Hartland

2 federal disasters brought FEMA money here

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

Brought FEMA money into HartlandDeclared for Livingston County only

2023

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $11K aid approved

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

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

Around Hartland

Hartland and the towns around it

Very lowLowModerateHighVery high

Brightonmostly inland floodingLow

Tyronemostly inland floodingLow

Highlandmostly inland floodingVery low

Oceolamostly inland floodingVery low

Hartlandmostly 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. Hartland covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Hartland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hartland. 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 Hartland total about $4.1M 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.