Natural hazards · Whiteford

Whiteford, MI natural hazards

Most of the natural-hazard damage FEMA expects in Whiteford comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2009.

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

Expected damage

How exposed is Whiteford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whiteford to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes16%Cold waves10%Strong wind6%Everything else11%

By hazard

What Whiteford faces

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

Inland flooding

58% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 49 years in the area

Cold waves

10% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 4 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 Whiteford flood?

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

1paid claims since 2009

$13Kpaid to owners

0homes flooded more than once

20092026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit Whiteford

Federal disasters declared here

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

Brought FEMA money into WhitefordDeclared for Monroe County only

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

Around Whiteford

Whiteford and the towns around it

Very lowLowModerateHighVery high

Rigamostly inland floodingHigh

Sylvaniamostly inland floodingModerate

Summerfieldmostly inland floodingModerate

Whitefordmostly inland floodingLow

Bedfordmostly 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. Whiteford covers 1 census tract, combined by population.

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