Natural hazards · London

London, MI natural hazards

Most of the natural-hazard damage FEMA expects in London comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is London?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in London to be higher than in 31% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes18%Cold waves13%Strong wind8%Everything else10%

By hazard

What London faces

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

Inland flooding

51% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 58 years in the area

Cold waves

13% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 92% 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 London flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit London

Federal disasters declared here

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

Brought FEMA money into LondonDeclared for Monroe County only

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

Around London

London and the towns around it

Very lowLowModerateHighVery high

Raisinvillemostly inland floodingHigh

Dundeemostly inland floodingModerate

Exetermostly inland floodingModerate

Londonmostly inland floodingLow

Milanmostly inland floodingLow

Augustamostly inland floodingLow

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. London covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to London’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of London. 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 London total about $815K 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.