Natural hazards · Madison Heights

Madison Heights, MI natural hazards

Most of the natural-hazard damage FEMA expects in Madison Heights comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1981. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Madison Heights?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison Heights to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes25%Cold waves15%Everything else10%

By hazard

What Madison Heights faces

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

Inland flooding

50% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 86% of U.S. places

Cold waves

15% 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 Madison Heights flood?

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

1paid claims since 1981

$9Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Madison Heights 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 Madison Heights

6 federal disasters brought FEMA money here

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

Brought FEMA money into Madison HeightsDeclared for Oakland County only

2023

Severe Storms, Tornadoes, and Flooding

114 households applied for aid $270K aid approved

2021

Severe Storms, Flooding, and Tornadoes

32 households applied for aid $19K aid approved

2014

Severe Storms and Flooding

1,958 households applied for aid $2.7M aid approved $429K to the City of Madison Heights for repairs

2004

Severe Storms, Tornadoes, and Flooding

13 households applied for aid $11K aid approved

2000

Snow

$20K to the City of Madison Heights for repairs

1999

Mi - Severe Weather 1/2 /99

$35K to the City of Madison Heights for repairs

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

Around Madison Heights

Madison Heights and the towns around it

Very lowLowModerateHighVery high

Warrenmostly inland floodingLow

Madison Heightsmostly inland floodingLow

Royal Oakmostly inland floodingLow

Hazel Parkmostly inland floodingLow

Troymostly 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. Madison Heights covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Madison Heights’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Madison Heights. 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 Madison Heights total about $8.4M 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.