Natural hazards · Ovid

Ovid, MI natural hazards

Most of the natural-hazard damage FEMA expects in Ovid comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1982.

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

Expected damage

How exposed is Ovid?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ovid to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding74%Tornadoes11%Everything else15%

By hazard

What Ovid faces

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

Inland flooding

74% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 100 years in the area

Tornadoes

11% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 65 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Ovid flood?

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

4paid claims since 1982

$96Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Branch County.

Disasters that hit Ovid

Federal disasters declared here

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

Brought FEMA money into OvidDeclared for Branch County only

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

Around Ovid

Ovid and the towns around it

Very lowLowModerateHighVery high

Ovidmostly inland floodingHigh

Bethelmostly inland floodingLow

Kinderhookmostly inland floodingLow

Alganseemostly inland floodingLow

Coldwatermostly 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. Ovid covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ovid’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Ovid. 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 Ovid total about $1.5M 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.