Natural hazards · St. Clair

St. Clair, MI natural hazards

Most of the natural-hazard damage FEMA expects in St. Clair comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1985. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. Clair?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Clair to be higher than in 20% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves20%Tornadoes13%Everything else10%

By hazard

What St. Clair faces

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

Inland flooding

56% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Cold waves

20% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

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

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 St. Clair flood?

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

6paid claims since 1985

$7Kpaid to owners

0homes flooded more than once

19852026

of homes in flood zones
are insured

of all homes
are insured

No community discount. St. Clair 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 St. Clair

2 federal disasters brought FEMA money here

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

Brought FEMA money into St. ClairDeclared for St. Clair County only

2004

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $8K aid approved

2000

Snow

$11K to the City of St. Clair for repairs

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

Around St. Clair

St. Clair and the towns around it

Very lowLowModerateHighVery high

East Chinamostly inland floodingModerate

Chinamostly inland floodingModerate

St. Clairmostly 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 covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to St. Clair’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Clair. 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 total about $1.7M 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.