Natural hazards · Shoreham

Shoreham, MI natural hazards

Most of the natural-hazard damage FEMA expects in Shoreham comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1985. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Shoreham?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shoreham to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding60%Cold waves14%Tornadoes10%Strong wind7%Everything else9%

By hazard

What Shoreham faces

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

Inland flooding

60% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 57% of U.S. places

Strong wind

7% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Shoreham flood?

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

4paid claims since 1985

$174Kpaid to owners

0homes flooded more than once

19852026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Berrien County.

Disasters that hit Shoreham

1 federal disaster brought FEMA money here

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

Brought FEMA money into ShorehamDeclared for Berrien County only

1999

Mi - Severe Weather 1/2 /99

$894 to the Village of Shoreham for repairs

Berrien County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Shoreham

Shoreham and the towns around it

Very lowLowModerateHighVery high

Lincolnmostly inland floodingLow

St. Josephmostly inland floodingLow

Shorehammostly 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. Shoreham covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Shoreham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Shoreham. 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 Shoreham total about $568K 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.