Natural hazards · Swartz Creek

Swartz Creek, MI natural hazards

Most of the natural-hazard damage FEMA expects in Swartz Creek comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 6 claims here since 1981. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Swartz Creek?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Swartz Creek to be higher than in 15% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes28%Cold waves18%Strong wind5%Everything else7%

By hazard

What Swartz Creek faces

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

Inland flooding

42% of expected damage

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

Recorded about once a year in the area

Tornadoes

28% of expected damage

Well above average · higher than 88% of U.S. places

Cold waves

18% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year 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 Swartz Creek flood?

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

6paid claims since 1981

$20Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Genesee County.

Disasters that hit Swartz Creek

2 federal disasters brought FEMA money here

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

Brought FEMA money into Swartz CreekDeclared for Genesee County only

2004

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $3K aid approved

2000

Snow

$7K to the City of Swartz Creek for repairs

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

Around Swartz Creek

Swartz Creek and the towns around it

Very lowLowModerateHighVery high

Gainesmostly inland floodingLow

Claytonmostly inland floodingLow

Flintmostly inland floodingVery low

Swartz Creekmostly 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. Swartz Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Swartz Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Swartz Creek. 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 Swartz Creek 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.