Natural hazards · Macomb

Macomb, MI natural hazards

Most of the natural-hazard damage FEMA expects in Macomb comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 41 claims here since 1985. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Macomb?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Macomb to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes14%Cold waves11%Everything else6%

By hazard

What Macomb faces

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

Inland flooding

69% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 79% of U.S. places

Cold waves

11% of expected damage

Above average · higher than 53% 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 Macomb flood?

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

41paid claims since 1985

$654Kpaid to owners

4homes flooded more than once

19852026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Macomb County.

Disasters that hit Macomb

4 federal disasters brought FEMA money here

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

Brought FEMA money into MacombDeclared for Macomb County only

2023

Severe Storms, Tornadoes, and Flooding

352 households applied for aid $697K aid approved

2021

Severe Storms, Flooding, and Tornadoes

99 households applied for aid $20K aid approved

2014

Severe Storms and Flooding

76 households applied for aid $41K aid approved

2004

Severe Storms, Tornadoes, and Flooding

64 households applied for aid $58K aid approved

Macomb County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Macomb

Macomb and the towns around it

Very lowLowModerateHighVery high

Macombmostly inland floodingHigh

Raymostly inland floodingModerate

Clintonmostly inland floodingModerate

Chesterfieldmostly inland floodingLow

Shelbymostly 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. Macomb covers 18 census tracts, combined by population.

Money that reached townFlood claims are matched to Macomb’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Macomb. 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 Macomb total about $38.1M 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.