Natural hazards · Onsted

Onsted, MI natural hazards

Most of the natural-hazard damage FEMA expects in Onsted comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Onsted?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Onsted to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes21%Cold waves14%Strong wind8%Everything else11%

By hazard

What Onsted faces

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

Inland flooding

46% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 65 years in the area

Cold waves

14% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 6 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 Onsted flood?

FEMA's records show no paid flood insurance claims in Onsted.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lenawee County.

Disasters that hit Onsted

1 federal disaster brought FEMA money here

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

Brought FEMA money into OnstedDeclared for Lenawee County only

1999

Mi - Severe Weather 1/2 /99

$1K to the Village of Onsted for repairs

Lenawee County has had 4 natural disasters declared since 1953, most often winter storms and hurricanes.

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. Onsted is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Onsted’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Onsted. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.