Natural hazards · Keego Harbor

Keego Harbor, MI natural hazards

Most of the natural-hazard damage FEMA expects in Keego Harbor comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2000. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Keego Harbor?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Keego Harbor to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes28%Cold waves16%Everything else10%

By hazard

What Keego Harbor faces

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

Inland flooding

47% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Tornadoes

28% of expected damage

Well above average · higher than 89% of U.S. places

Cold waves

16% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Keego Harbor flood?

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

4paid claims since 2000

$36Kpaid to owners

0homes flooded more than once

20002026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oakland County.

Disasters that hit Keego Harbor

6 federal disasters brought FEMA money here

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

Brought FEMA money into Keego HarborDeclared for Oakland County only

2023

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $7K aid approved

2021

Severe Storms, Flooding, and Tornadoes

3 households applied for aid

2014

Severe Storms and Flooding

4 households applied for aid $5K aid approved

2004

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $663 aid approved

2000

Snow

$2K to the City of Keego Harbor for repairs

1999

Mi - Severe Weather 1/2 /99

$3K to the City of Keego Harbor for repairs

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

Around Keego Harbor

Keego Harbor and the towns around it

Very lowLowModerateHighVery high

Keego Harbormostly inland floodingLow

West Bloomfieldmostly inland floodingVery low

Orchard Lake Villagemostly 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. Keego Harbor covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Keego Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Keego Harbor. 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 Keego Harbor total about $764K 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.