Natural hazards · Metamora

Metamora, MI natural hazards

Most of the natural-hazard damage FEMA expects in Metamora comes from inland flooding, and overall the risk is very 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 Metamora?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Metamora to be higher than in 18% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes23%Cold waves16%Strong wind10%Everything else6%

By hazard

What Metamora faces

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

Inland flooding

46% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

23% of expected damage

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

Recorded about once every 69 years in the area

Cold waves

16% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 96% 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 Metamora flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lapeer County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Metamora

1 federal disaster brought FEMA money here

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

Brought FEMA money into MetamoraDeclared for Lapeer County only

2000

Snow

$1K to the Village of Metamora for repairs

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

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. Metamora 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 Metamora’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Metamora. 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.