Natural hazards · Port Huron

Port Huron, MI natural hazards

Most of the natural-hazard damage FEMA expects in Port Huron comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 20 claims here since 1981. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Port Huron?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Port Huron to be higher than in 62% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding66%Cold waves17%Tornadoes10%Everything else7%

By hazard

What Port Huron faces

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

Inland flooding

66% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 62% of U.S. places

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Port Huron flood?

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

20paid claims since 1981

$220Kpaid to owners

4homes flooded more than once

19812026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Clair County.

Disasters that hit Port Huron

2 federal disasters brought FEMA money here

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

Brought FEMA money into Port HuronDeclared for St. Clair County only

2004

Severe Storms, Tornadoes, and Flooding

128 households applied for aid $208K aid approved

2000

Snow

$43K to the City of Port Huron for repairs

St. Clair County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Port Huron

Port Huron and the towns around it

Very lowLowModerateHighVery high

Port Huronmostly inland floodingHigh

Port Huronmostly inland floodingLow

Fort Gratiotmostly inland floodingLow

Marysvillemostly 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. Port Huron covers 11 census tracts, combined by population.

Money that reached townFlood claims are matched to Port Huron’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Port Huron. 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 Port Huron total about $10.4M 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.