Photo: Notorious4life · Public domainFEMA puts Almont’s expected hazard damage per building below that of 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Almont gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns, #420 of 701 in Michigan. Most of that expected damage is river and rain flooding (75%), then tornadoes (12%). Flood insurance has paid 1 claim here since 2004.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Almont faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Strong wind
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Almont’s grade
River and rain flooding is 75% of the building damage FEMA expects in Almont, and Almont’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 5% of U.S. census tracts.
B+ #420 of 701 in Michigan; lower expected damage per building than 73% of U.S. towns (21,298).
Almont’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Almont has more expected damage per building than 60% of Michigan towns.
In dollars, FEMA expects about $859K a year in losses across Almont: $561K to buildings, the rest to people and crops.
Does Almont flood? Rarely: 1 flood claim since 2004
Every paid claim on a federal flood insurance policy in Almont, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
Almont isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lapeer County.1 federal disaster brought FEMA money to Almont
Disasters that paid out in Almont itself (aid to households or repair grants to the Village of Almont), newest first, with that year’s flood claims.
- 2000Snow$2K to the Village of Almont for repairs
Lapeer County has had 7 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Almont after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Almont archive →Get ready for what Almont faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Almont
Is Almont at risk for natural disasters?
On FEMA’s National Risk Index, Almont has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk, #420 of 701 in Michigan. Most of the expected damage is river and rain flooding (75%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Almont flood?
Flood insurance has paid 1 claim in Almont since 2004, $34K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record.
Is Almont in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Lapeer County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Almont?
FEMA’s Community Rating System list shows no discount for Almont’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Almont?
By FEMA money that reached Almont, Snow (2000): $2K to the Village of Almont for repairs.
Is Almont at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Almont’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Almont.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Almont’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.