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 moderate for a U.S. community. Flood insurance has paid 2 claims here since 2018.

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

Expected damage

How exposed is Ovid?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ovid to be higher than in 48% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes23%Strong wind15%Cold waves10%Everything else6%

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

47% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

23% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 58 years in the area

Strong wind

15% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 6 times a year in the area

Cold waves

10% of expected damage

Above average · higher than 51% 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 Ovid flood?

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

2paid claims since 2018

$72Kpaid to owners

0homes flooded more than once

20182026

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: Clinton County.

Disasters that hit Ovid

Federal disasters declared here

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

Brought FEMA money into OvidDeclared for Clinton County only

Clinton County has had 8 natural disasters declared since 1953, most often winter storms and severe storms.

Around Ovid

Ovid and the towns around it

Very lowLowModerateHighVery high

Victormostly inland floodingModerate

Ovidmostly inland floodingModerate

Duplainmostly inland floodingModerate

Middleburymostly inland floodingLow

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

Money that reached townFlood claims are matched to Ovid’s own flood-insurance community; 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 $1.3M 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.