Natural hazards · Novi

Novi, MI natural hazards

Most of the natural-hazard damage FEMA expects in Novi comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 1983. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Novi?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Novi to be higher than in 12% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes34%Cold waves16%Everything else11%

By hazard

What Novi faces

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

Inland flooding

39% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once a year in the area

Tornadoes

34% of expected damage

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

Cold waves

16% 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 Novi flood?

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

5paid claims since 1983

$46Kpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Novi is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Oakland County.

Disasters that hit Novi

6 federal disasters brought FEMA money here

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

Brought FEMA money into NoviDeclared for Oakland County only

2023

Severe Storms, Tornadoes, and Flooding

141 households applied for aid $159K aid approved

2021

Severe Storms, Flooding, and Tornadoes

24 households applied for aid $2K aid approved

2014

Severe Storms and Flooding

17 households applied for aid $6K aid approved

2004

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $620 aid approved

2000

Snow

$61K to the City of Novi for repairs

1999

Mi - Severe Weather 1/2 /99

$30K to the City of Novi for repairs

Oakland County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Novi

Novi and the towns around it

Very lowLowModerateHighVery high

Lyonmostly inland floodingVery low

Northvillemostly inland floodingVery low

Farmington Hillsmostly inland floodingVery low

Wixommostly tornadoesVery low

Novimostly inland floodingVery low

Walled Lakemostly tornadoesVery low

Northvillemostly inland floodingVery low

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. Novi covers 13 census tracts, combined by population.

Money that reached townFlood claims are matched to Novi’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Novi. 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 Novi total about $18.0M 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.