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Natural hazards · Mount Clemens

Mount Clemens, MI natural hazards

Most of the natural-hazard damage FEMA expects in Mount Clemens comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 41 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

How exposed is Mount Clemens?

34
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Clemens to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes22%Cold waves13%Everything else9%
By hazard

What Mount Clemens faces

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

Inland flooding

56% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

22% of expected damage
Well above average · higher than 86% of U.S. places

Cold waves

13% of expected damage
Above average · higher than 53% 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 Mount Clemens flood?

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

41paid claims since 1979
$254Kpaid to owners
1homes flooded more than once
19792026

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. Mount Clemens isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Macomb County.

What’s been done with FEMA grants

2buildings floodproofed
Disasters that hit Mount Clemens

6 federal disasters brought FEMA money here

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

Brought FEMA money into Mount ClemensDeclared for Macomb County only
2023

Severe Storms, Tornadoes, and Flooding

226 households applied for aid $637K aid approved
2021

Severe Storms, Flooding, and Tornadoes

37 households applied for aid $27K aid approved
2014

Severe Storms and Flooding

72 households applied for aid $58K aid approved
2004

Severe Storms, Tornadoes, and Flooding

46 households applied for aid $19K aid approved
2000

Snow

$27K to the City of Mount Clemens for repairs
1999

Mi - Severe Weather 1/2 /99

$27K to the City of Mount Clemens for repairs
Macomb County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Mount Clemens

Mount Clemens and the towns around it

Clinton: Moderate, mostly inland floodingHarrison: Moderate, mostly inland floodingMacomb: High, mostly inland floodingSt. Clair Shores: Moderate, mostly inland floodingSterling Heights: Moderate, mostly inland floodingFraser: Low, mostly inland floodingChesterfield: Low, mostly inland floodingMount Clemens: Low, mostly inland flooding Mount ClemensClintonHarrison
Very lowLowModerateHighVery high
Harrisonmostly inland floodingModerate
Clintonmostly inland floodingModerate
Mount Clemensmostly inland floodingLow
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. Mount Clemens covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Mount Clemens’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mount Clemens. 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 Mount Clemens total about $5.8M 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
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