Natural hazards · Imlay

Imlay, MI natural hazards

Most of the natural-hazard damage FEMA expects in Imlay comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1996.

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

Expected damage

How exposed is Imlay?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Imlay to be higher than in 11% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes22%Cold waves19%Strong wind10%Everything else7%

By hazard

What Imlay faces

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

Inland flooding

42% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

22% of expected damage

Well above average · higher than 77% of U.S. places

Cold waves

19% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 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 Imlay flood?

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

3paid claims since 1996

$19Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lapeer County.

Disasters that hit Imlay

Federal disasters declared here

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

Brought FEMA money into ImlayDeclared for Lapeer County only

Lapeer County has had 8 natural disasters declared since 1953, most often floods and winter storms.

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. Imlay covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Imlay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Imlay. 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 Imlay total about $1.1M 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.