Natural hazards · Litchfield

Litchfield, MI natural hazards

Most of the natural-hazard damage FEMA expects in Litchfield comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Litchfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Litchfield to be higher than in 21% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes21%Cold waves9%Everything else16%

By hazard

What Litchfield faces

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

Inland flooding

55% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once every 6 years in the area

Tornadoes

21% of expected damage

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

Recorded about once every 56 years in the area

Cold waves

9% of expected damage

Above average · higher than 56% 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 Litchfield flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hillsdale County.

Disasters that hit Litchfield

1 federal disaster brought FEMA money here

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

Brought FEMA money into LitchfieldDeclared for Hillsdale County only

2000

Snow

$2K to the City of Litchfield for repairs

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

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. Litchfield is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Litchfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Litchfield. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.