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. 6 federal disasters brought FEMA money into town.

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

How exposed is Milford?

27
Low
vs. U.S. communities

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

Inland flooding51%Tornadoes28%Cold waves13%Everything else9%
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

51% of expected damage
Below average · higher than 41% of U.S. places
Recorded about once a year in the area

Tornadoes

28% of expected damage
Well above average · higher than 91% of U.S. places

Cold waves

13% 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

6 federal disasters brought FEMA money here

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

Brought FEMA money into MilfordDeclared for Oakland County only
2023

Severe Storms, Tornadoes, and Flooding

15 households applied for aid $19K aid approved
2021

Severe Storms, Flooding, and Tornadoes

7 households applied for aid
2014

Severe Storms and Flooding

2 households applied for aid $210 aid approved
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2000

Snow

$8K to the Village of Milford for repairs
1999

Mi - Severe Weather 1/2 /99

$7K to the Village of Milford for repairs
Oakland County has had 12 natural disasters declared since 1953, most often severe storms and floods.
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 2 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 Village 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 $2.3M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01