On FEMA’s figures, Armada faces less hazard damage per building than 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Armada gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (81%), 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 Armada 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
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 Armada’s grade
River and rain flooding is 81% of the building damage FEMA expects in Armada, and Armada’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is tornadoes at 12% (higher than 79% of U.S. census tracts).
B lower expected damage per building than 63% of U.S. towns (21,298).
All of Armada’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $610K a year in losses across Armada: $451K to buildings, the rest to people and crops.
Does Armada flood? Rarely: 1 flood claim since 2004
Every paid claim on a federal flood insurance policy in Armada, from FEMA’s records: 1.5 per 1,000 homes, fewer than 68% of the 13,809 U.S. towns with a flood insurance record.
Armada isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Macomb County.3 federal disasters brought FEMA money to Armada
Disasters that paid out in Armada itself (aid to households or repair grants to the Village of Armada), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding7 households applied for aid$8K aid approved
- 2021Severe Storms, Flooding, and Tornadoes8 households applied for aid$4K aid approved
- 2004Severe Storms, Tornadoes, and Flooding22 households applied for aid$52K aid approved1 flood claim paid that year
Macomb County has had 14 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Armada after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Armada archive →Get ready for what Armada 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.
- 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 Armada
Is Armada at risk for natural disasters?
On FEMA’s National Risk Index, Armada has lower expected damage per building than 63% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (81%) and tornadoes (12%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Armada flood?
Flood insurance has paid 1 claim in Armada since 2004, $13K in all, or 1.5 per 1,000 homes, fewer than 68% of U.S. towns with a flood insurance record.
Is Armada 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 Macomb County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Armada?
FEMA’s Community Rating System list shows no discount for Armada’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 Armada?
By FEMA money that reached Armada, Severe Storms, Tornadoes, and Flooding (2004): 22 households applied for aid, $52K approved.
Is Armada at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Armada’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Armada.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Armada’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.