Natural hazards · Detroit

Detroit, TX natural hazards

Most of the natural-hazard damage FEMA expects in Detroit comes from ice storms, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Detroit?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Detroit to be higher than in 100% of U.S. communities, mostly from ice storms.

Ice storms64%Tornadoes14%Inland flooding7%Drought6%Everything else11%

By hazard

What Detroit faces

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

Ice storms

64% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

7% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once a year in the area

Drought

6% of expected damage

Recorded about 43 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Detroit flood?

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

of all homes
are insured

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

Insurance rates: Red River County.

Disasters that hit Detroit

3 federal disasters brought FEMA money here

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

Brought FEMA money into DetroitDeclared for Red River County only

2021

Severe Winter Storms

1 household applied for aid

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

6 households applied for aid $15K aid approved

2000

Severe Winter Ice Storm

$55K to the Town of Detroit for repairs

Red River County has had 21 natural disasters declared since 1953, most often floods and severe storms.

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. Detroit 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 Detroit’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Detroit. 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.