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Natural hazards · Richmond

Richmond, MI natural hazards

Most of the natural-hazard damage FEMA expects in Richmond comes from inland flooding, and overall the risk is very low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Richmond?

17
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Richmond to be higher than in 17% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes23%Cold waves17%Everything else10%
By hazard

What Richmond faces

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

Inland flooding

50% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

23% of expected damage
Well above average · higher than 79% of U.S. places

Cold waves

17% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Richmond flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Richmond isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Macomb County.
Disasters that hit Richmond

6 federal disasters brought FEMA money here

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

Brought FEMA money into RichmondDeclared for Macomb County only
2023

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $10K aid approved
2021

Severe Storms, Flooding, and Tornadoes

4 households applied for aid
2014

Severe Storms and Flooding

4 households applied for aid $3K aid approved
2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $3K aid approved
2000

Snow

$5K to the City of Richmond for repairs
1999

Mi - Severe Weather 1/2 /99

$3K to the City of Richmond for repairs
Macomb County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Richmond

Richmond and the towns around it

Lenox: Low, mostly inland floodingRichmond: Low, mostly inland floodingCasco: Low, mostly inland floodingColumbus: Low, mostly inland floodingRay: Moderate, mostly inland floodingChesterfield: Low, mostly inland floodingRiley: Moderate, mostly inland floodingMemphis: Low, mostly inland floodingArmada: Low, mostly inland floodingChina: Moderate, mostly inland floodingIra: Low, mostly inland floodingSt. Clair: Low, mostly inland floodingWales: Low, mostly inland floodingRichmond: Very low, mostly inland flooding RichmondLenoxRichmondCascoColumbus
Very lowLowModerateHighVery high
Columbusmostly inland floodingLow
Cascomostly inland floodingLow
Richmondmostly inland floodingLow
Lenoxmostly inland floodingLow
Richmondmostly 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. Richmond covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Richmond’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Richmond. 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 Richmond total about $1.6M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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