Natural hazards · Milford

Milford, MI natural hazards

Most of the natural-hazard damage FEMA expects in Milford 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 Milford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milford to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes26%Cold waves11%Everything else8%

By hazard

What Milford faces

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

Inland flooding

55% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once a year in the area

Tornadoes

26% of expected damage

Well above average · higher than 91% of U.S. places

Cold waves

11% 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 Milford flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Milford 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 Milford

Federal disasters declared here

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

Brought FEMA money into MilfordDeclared for Oakland County only

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

Around Milford

Milford and the towns around it

Very lowLowModerateHighVery high

Milfordmostly inland floodingLow

Brightonmostly inland floodingLow

Lyonmostly inland floodingVery low

Highlandmostly inland floodingVery low

Commercemostly inland floodingVery low

Wixommostly tornadoesVery 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. Milford covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Milford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Milford. 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 Milford total about $7.0M 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.