Natural hazards · Surrey

Surrey, MI natural hazards

Most of the natural-hazard damage FEMA expects in Surrey comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Surrey?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Surrey to be higher than in 13% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding41%Strong wind21%Cold waves15%Tornadoes12%Everything else11%

By hazard

What Surrey faces

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

Inland flooding

41% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 4 years in the area

Strong wind

21% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 62 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Surrey flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clare County.

Disasters that hit Surrey

Federal disasters declared here

None of the disasters declared for Clare County shows FEMA aid or repair money reaching Surrey itself in FEMA’s records.

Brought FEMA money into SurreyDeclared for Clare County only

Clare County has had 7 natural disasters declared since 1953, most often winter storms and floods.

Around Surrey

Surrey and the towns around it

Very lowLowModerateHighVery high

Grantmostly inland floodingVery low

Lincolnmostly inland floodingVery low

Garfieldmostly inland floodingVery low

Gilmoremostly inland floodingVery low

Surreymostly 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. Surrey is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Surrey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Surrey. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.