Utica, MI natural hazards
Most of the natural-hazard damage FEMA expects in Utica comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 39 claims here since 1989. 6 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Utica?
FEMA expects yearly storm and flood damage to homes and buildings in Utica to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.
What Utica faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
Lower here
Not a risk here
Does Utica flood?
Every paid claim on a federal flood insurance policy in Utica, from FEMA’s records.
Biggest named events
- 2026-04-Flooding: 1 claim, $64K
- Hurricane Ike: 1 claim, $9K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
6 federal disasters brought FEMA money here
Disasters the President declared that paid out in Utica itself: aid to households, or repair grants to the City of Utica.
Severe Storms, Tornadoes, and Flooding
Severe Storms, Flooding, and Tornadoes
Severe Storms and Flooding
Severe Storms, Tornadoes, and Flooding
Snow
Mi - Severe Weather 1/2 /99
Utica and the towns around it
How to read this page
FEMA’s expected losses across Utica total about $2.2M 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.