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Natural hazards · New Baltimore

New Baltimore, MI natural hazards

Most of the natural-hazard damage FEMA expects in New Baltimore comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 44 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 New Baltimore?

39
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Baltimore to be higher than in 39% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes19%Cold waves15%Everything else8%
By hazard

What New Baltimore faces

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

Inland flooding

58% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

19% of expected damage
Well above average · higher than 78% of U.S. places

Cold waves

15% of expected damage
Above average · higher than 53% 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 New Baltimore flood?

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

44paid claims since 1979
$292Kpaid to owners
3homes 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. New Baltimore 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

1homes raised above flood level
Disasters that hit New Baltimore

6 federal disasters brought FEMA money here

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

Brought FEMA money into New BaltimoreDeclared for Macomb County only
2023

Severe Storms, Tornadoes, and Flooding

265 households applied for aid $426K aid approved
2021

Severe Storms, Flooding, and Tornadoes

26 households applied for aid $6K aid approved
2014

Severe Storms and Flooding

4 households applied for aid
2004

Severe Storms, Tornadoes, and Flooding

17 households applied for aid $26K aid approved
2000

Snow

$9K to the City of New Baltimore for repairs
1999

Mi - Severe Weather 1/2 /99

$8K to the City of New Baltimore for repairs
Macomb County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around New Baltimore

New Baltimore and the towns around it

Ira: Low, mostly inland floodingChesterfield: Low, mostly inland floodingClay: Low, mostly inland floodingCottrellville: Low, mostly inland floodingCasco: Low, mostly inland floodingMacomb: High, mostly inland floodingHarrison: Moderate, mostly inland floodingLenox: Low, mostly inland floodingNew Baltimore: Low, mostly inland flooding New BaltimoreIraChesterfield
Very lowLowModerateHighVery high
New Baltimoremostly inland floodingLow
Chesterfieldmostly inland floodingLow
Iramostly 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. New Baltimore covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to New Baltimore’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of New Baltimore. 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 New Baltimore total about $3.7M 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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