Natural hazards · Thetford

Thetford, MI natural hazards

Most of the natural-hazard damage FEMA expects in Thetford comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2022. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Thetford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thetford to be higher than in 31% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes20%Cold waves18%Everything else9%

By hazard

What Thetford faces

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

Inland flooding

53% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 78% 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

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 Thetford flood?

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

1paid claims since 2022

$5Kpaid to owners

0homes flooded more than once

20222026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Thetford 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 Thetford

1 federal disaster brought FEMA money here

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

Brought FEMA money into ThetfordDeclared for Genesee County only

2000

Snow

$2K to the Township of Thetford for repairs

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

Around Thetford

Thetford and the towns around it

Very lowLowModerateHighVery high

Arbelamostly inland floodingModerate

Thetfordmostly inland floodingLow

Geneseemostly inland floodingLow

Forestmostly inland floodingLow

Viennamostly 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. Thetford covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Thetford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Thetford. 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 Thetford total about $1.9M 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.