Natural hazards · Tompkins

Tompkins, MI natural hazards

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

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

Expected damage

How exposed is Tompkins?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tompkins to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes25%Cold waves11%Strong wind5%Everything else9%

By hazard

What Tompkins faces

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

Inland flooding

51% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

25% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 27 years in the area

Cold waves

11% of expected damage

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

Recorded about 2 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 5 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 Tompkins flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Tompkins

Federal disasters declared here

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

Brought FEMA money into TompkinsDeclared for Jackson County only

Jackson County has had 8 natural disasters declared since 1953, most often winter storms and severe storms.

Around Tompkins

Tompkins and the towns around it

Very lowLowModerateHighVery high

Rivesmostly inland floodingModerate

Onondagamostly inland floodingLow

Tompkinsmostly inland floodingLow

Springportmostly inland floodingLow

Sandstonemostly 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. Tompkins 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 Tompkins’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Tompkins. 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.