Erin-Warren Fractional District No. 2 Schoolhouse · Photo: Appraiser · CC BY-SA 3.0FEMA puts Eastpointe’s expected hazard damage per building below that of 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Eastpointe gets an A− for hazard risk: lower expected damage per building than 79% of U.S. towns, #323 of 701 in Michigan. Most of that expected damage is river and rain flooding (73%), then tornadoes (17%). FEMA’s files show no paid flood insurance claims here.
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 Eastpointe 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 Eastpointe’s grade
River and rain flooding is 73% of the building damage FEMA expects in Eastpointe, and Eastpointe’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is tornadoes at 17% (higher than 86% of U.S. census tracts).
A− #323 of 701 in Michigan; lower expected damage per building than 79% of U.S. towns (21,298).
Eastpointe’s residents live in 10 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, Eastpointe has less expected damage per building than 54% of Michigan towns.
In dollars, FEMA expects about $6.9M a year in losses across Eastpointe: $3.6M to buildings, the rest to people and crops.
Does Eastpointe flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Eastpointe. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Eastpointe 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.6 federal disasters brought FEMA money to Eastpointe
Disasters that paid out in Eastpointe itself (aid to households or repair grants to the City of Eastpointe), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding2,939 households applied for aid$8.1M aid approved
- 2021Severe Storms, Flooding, and Tornadoes908 households applied for aid$1.4M aid approved
- 2014Severe Storms and Flooding1,430 households applied for aid$1.2M aid approved$57K to the City of Eastpointe for repairs
- 2004Severe Storms, Tornadoes, and Flooding148 households applied for aid$45K aid approved
- 2000Snow$13K to the City of Eastpointe for repairs
- 1999Mi - Severe Weather 1/2 /99$21K to the City of Eastpointe for repairs
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 Eastpointe after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eastpointe archive →Eastpointe and its neighbors
Eastpointe has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Eastpointe | A−less damage than 79% | river and rain flooding | 0 |
| Detroit | A−less damage than 78% | river and rain flooding | 379 |
| Roseville | B+less damage than 74% | river and rain flooding | 5 |
| Warren | B+less damage than 72% | river and rain flooding | 23 |
| St. Clair Shores | C+more damage than 60% | river and rain flooding | 278 |
| Harper Woods | Dmore damage than 87% | river and rain flooding | 2 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Eastpointe 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 Eastpointe
Is Eastpointe at risk for natural disasters?
On FEMA’s National Risk Index, Eastpointe has lower expected damage per building than 79% of U.S. towns: A− for hazard risk, #323 of 701 in Michigan. Most of the expected damage is river and rain flooding (73%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Eastpointe 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 Eastpointe?
FEMA’s Community Rating System list shows no discount for Eastpointe’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 Eastpointe?
By FEMA money that reached Eastpointe, Severe Storms, Tornadoes, and Flooding (2023): 2,939 households applied for aid, $8.1M approved.
Is Eastpointe at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Eastpointe’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eastpointe.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eastpointe’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.