Natural hazards · Westphalia

Westphalia, MI natural hazards

Most of the natural-hazard damage FEMA expects in Westphalia 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 Westphalia?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westphalia to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes21%Strong wind13%Cold waves10%Everything else7%

By hazard

What Westphalia 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 47% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

21% of expected damage

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

Recorded about once every 29 years in the area

Strong wind

13% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Cold waves

10% of expected damage

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

Recorded about 2 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 Westphalia flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit Westphalia

Federal disasters declared here

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

Brought FEMA money into WestphaliaDeclared for Clinton County only

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

Around Westphalia

Westphalia and the towns around it

Very lowLowModerateHighVery high

Dallasmostly inland floodingModerate

Rileymostly inland floodingModerate

Portlandmostly inland floodingModerate

Westphaliamostly inland floodingLow

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