Natural hazards · New Haven

New Haven, MI natural hazards

Most of the natural-hazard damage FEMA expects in New Haven comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2004. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is New Haven?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Haven to be higher than in 13% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes28%Cold waves26%Everything else11%

By hazard

What New Haven faces

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

Inland flooding

36% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

28% of expected damage

Well above average · higher than 79% of U.S. places

Cold waves

26% 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 New Haven flood?

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

2paid claims since 2004

$7Kpaid to owners

0homes flooded more than once

20042026

of homes in flood zones
are insured

of all homes
are insured

No community discount. New Haven 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.

Disasters that hit New Haven

4 federal disasters brought FEMA money here

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

Brought FEMA money into New HavenDeclared for Macomb County only

2023

Severe Storms, Tornadoes, and Flooding

59 households applied for aid $84K aid approved

2021

Severe Storms, Flooding, and Tornadoes

10 households applied for aid $32K aid approved

2014

Severe Storms and Flooding

4 households applied for aid

2004

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $3K aid approved

Macomb County has had 15 natural disasters declared since 1953, most often floods and severe storms.

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 Haven covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to New Haven’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of New Haven. 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 Haven total about $1.1M 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.