Natural hazards · Livonia

Livonia, MI natural hazards

Most of the natural-hazard damage FEMA expects in Livonia comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 6 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Livonia?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Livonia to be higher than in 10% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves16%Tornadoes14%Heat waves9%Everything else8%

By hazard

What Livonia faces

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

Inland flooding

53% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 3 times a year in the area

Cold waves

16% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 59% of U.S. places

Heat waves

9% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Livonia flood?

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

6paid claims since 1981

$14Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wayne County.

Disasters that hit Livonia

5 federal disasters brought FEMA money here

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

Brought FEMA money into LivoniaDeclared for Wayne County only

2023

Severe Storms, Tornadoes, and Flooding

437 households applied for aid $1.4M aid approved

2021

Severe Storms, Flooding, and Tornadoes

181 households applied for aid $96K aid approved

2014

Severe Storms and Flooding

98 households applied for aid $33K aid approved

2004

Severe Storms, Tornadoes, and Flooding

38 households applied for aid $31K aid approved

1999

Mi - Severe Weather 1/2 /99

$70K to the City of Livonia for repairs

Wayne County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Livonia

Livonia and the towns around it

Very lowLowModerateHighVery high

Farmington Hillsmostly inland floodingVery low

Redfordmostly inland floodingVery low

Westlandmostly inland floodingVery low

Livoniamostly inland floodingVery low

Plymouthmostly 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. Livonia covers 34 census tracts, combined by population.

Money that reached townFlood claims are matched to Livonia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Livonia. 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 Livonia total about $19.6M 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.