Natural hazards · Oneida

Oneida, MI natural hazards

Most of the natural-hazard damage FEMA expects in Oneida comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2015.

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

Expected damage

How exposed is Oneida?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oneida to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes19%Strong wind8%Cold waves7%Everything else8%

By hazard

What Oneida 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 51% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 90% of U.S. places

Strong wind

8% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Oneida flood?

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

1paid claims since 2015

$24Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Oneida isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Eaton County.

Disasters that hit Oneida

Federal disasters declared here

None of the disasters declared for Eaton County shows FEMA aid or repair money reaching Oneida itself in FEMA’s records.

Brought FEMA money into OneidaDeclared for Eaton County only

Eaton County has had 11 natural disasters declared since 1953, most often winter storms and floods.

Around Oneida

Oneida and the towns around it

Very lowLowModerateHighVery high

Grand Ledgemostly inland floodingModerate

Oneidamostly inland floodingModerate

Eaglemostly inland floodingLow

Deltamostly inland floodingLow

Roxandmostly inland floodingLow

Bentonmostly 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. Oneida covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Oneida’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Oneida. 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 Oneida total about $2.3M 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.