Natural hazards · Monroe

Monroe, MI natural hazards

Most of the natural-hazard damage FEMA expects in Monroe comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 62 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Monroe?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monroe to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding72%Tornadoes10%Cold waves8%Everything else11%

By hazard

What Monroe faces

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

Inland flooding

72% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 77% of U.S. places

Cold waves

8% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Monroe flood?

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

62paid claims since 1978

$256Kpaid to owners

5homes flooded more than once

19782026

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. Monroe isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Monroe County.

What’s been done with FEMA grants

5flood-prone properties bought out and cleared

Disasters that hit Monroe

2 federal disasters brought FEMA money here

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

Brought FEMA money into MonroeDeclared for Monroe County only

2023

Severe Storms, Tornadoes, and Flooding

703 households applied for aid $1.8M aid approved

1999

Mi - Severe Weather 1/2 /99

$22K to the City of Monroe for repairs

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

Around Monroe

Monroe and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingHigh

Monroemostly inland floodingModerate

Frenchtownmostly inland floodingModerate

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. Monroe covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Monroe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Monroe. 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 Monroe total about $7.1M 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.