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Natural hazards · St. Clair Shores

St. Clair Shores, MI natural hazards

Most of the natural-hazard damage FEMA expects in St. Clair Shores comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 278 claims here since 1981. 6 federal disasters brought FEMA money into town.

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

How exposed is St. Clair Shores?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Clair Shores to be higher than in 55% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding60%Tornadoes20%Cold waves13%Everything else7%
By hazard

What St. Clair Shores 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
Above average · higher than 74% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

20% of expected damage
Well above average · higher than 86% of U.S. places

Cold waves

13% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 3 times a year in the area

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 St. Clair Shores flood?

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

278paid claims since 1981
$608Kpaid to owners
4homes flooded more than once
19812026

Biggest named events

  • Hurricane Ike: 1 claim, $10K

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. St. Clair Shores 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.

What’s been done with FEMA grants

27homes raised above flood level
Disasters that hit St. Clair Shores

6 federal disasters brought FEMA money here

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

Brought FEMA money into St. Clair ShoresDeclared for Macomb County only
2023

Severe Storms, Tornadoes, and Flooding

485 households applied for aid $1.1M aid approved
2021

Severe Storms, Flooding, and Tornadoes

159 households applied for aid $192K aid approved
2014

Severe Storms and Flooding

758 households applied for aid $532K aid approved $94K to the City of St. Clair Shores for repairs
2004

Severe Storms, Tornadoes, and Flooding

56 households applied for aid $40K aid approved
2000

Snow

$25K to the City of St. Clair Shores for repairs
1999

Mi - Severe Weather 1/2 /99

$24K to the City of St. Clair Shores for repairs
Macomb County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around St. Clair Shores

St. Clair Shores and the towns around it

Roseville: Low, mostly inland floodingEastpointe: Low, mostly inland floodingClinton: Moderate, mostly inland floodingVillage of Grosse Pointe Shores: High, mostly inland floodingWarren: Low, mostly inland floodingFraser: Low, mostly inland floodingHarper Woods: Very high, mostly inland floodingDetroit: Low, mostly inland floodingMount Clemens: Low, mostly inland floodingHarrison: Moderate, mostly inland floodingMacomb: High, mostly inland floodingSterling Heights: Moderate, mostly inland floodingGrosse Pointe Woods: Very high, mostly inland floodingGrosse Pointe Farms: High, mostly inland floodingSt. Clair Shores: Moderate, mostly inland flooding St. Clair ShoresRosevilleEastpointeClintonVillage of Grosse Pointe Shores
Very lowLowModerateHighVery high
Village of Grosse Pointe Shoresmostly inland floodingHigh
St. Clair Shoresmostly inland floodingModerate
Clintonmostly inland floodingModerate
Rosevillemostly inland floodingLow
Eastpointemostly 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. St. Clair Shores covers 23 census tracts, combined by population.
Money that reached townFlood claims are matched to St. Clair Shores’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Clair Shores. 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 St. Clair Shores total about $20.6M 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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