Photo: Lrgjr72 · CC BY-SA 4.0FEMA expects less hazard damage per building in Farmington than in 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Farmington gets an A for hazard risk: lower expected damage per building than 89% of U.S. towns, #148 of 701 in Michigan. Most of that expected damage is river and rain flooding (69%), then tornadoes (23%). Flood insurance has paid 15 claims here since 1979.
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 Farmington 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 Farmington’s grade
River and rain flooding is 69% of the building damage FEMA expects in Farmington, and Farmington’s rate of river and rain flooding damage is lower than 79% of U.S. census tracts. Next is tornadoes at 23% (higher than 89% of U.S. census tracts).
A #148 of 701 in Michigan; lower expected damage per building than 89% of U.S. towns (21,298).
Farmington’s residents live in 3 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, Farmington has less expected damage per building than 79% of Michigan towns.
In dollars, FEMA expects about $2.8M a year in losses across Farmington: $1.5M to buildings, the rest to people and crops.
Does Farmington flood? Sometimes: 15 flood claims since 1979
Every paid claim on a federal flood insurance policy in Farmington, from FEMA’s records: 2.7 per 1,000 homes, fewer than 54% of the 13,809 U.S. towns with a flood insurance record.
Farmington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oakland County.6 federal disasters brought FEMA money to Farmington
Disasters that paid out in Farmington itself (aid to households or repair grants to the City of Farmington), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding114 households applied for aid$225K aid approved
- 2021Severe Storms, Flooding, and Tornadoes80 households applied for aid$50K aid approved
- 2014Severe Storms and Flooding16 households applied for aid$10K aid approved
- 2004Severe Storms, Tornadoes, and Flooding13 households applied for aid$9K aid approved
- 2000Snow$5K to the City of Farmington for repairs
- 1999Mi - Severe Weather 1/2 /99$11K to the City of Farmington for repairs
Oakland County has had 11 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Farmington after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Farmington archive →Farmington and its neighbors
Farmington has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Farmington | Aless damage than 89% | river and rain flooding | 15 |
| Farmington Hills | Aless damage than 88% | river and rain flooding | 88 |
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 Farmington 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 Farmington
Is Farmington at risk for natural disasters?
On FEMA’s National Risk Index, Farmington has lower expected damage per building than 89% of U.S. towns: A for hazard risk, #148 of 701 in Michigan. Most of the expected damage is river and rain flooding (69%) and tornadoes (23%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Farmington flood?
Flood insurance has paid 15 claims in Farmington since 1979, $69K in all, or 2.7 per 1,000 homes, fewer than 54% of U.S. towns with a flood insurance record.
Is Farmington 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 Oakland County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Farmington?
FEMA’s Community Rating System list shows no discount for Farmington’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 Farmington?
By FEMA money that reached Farmington, Severe Storms, Tornadoes, and Flooding (2023): 114 households applied for aid, $225K approved.
Is Farmington at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Farmington’s rate for it is lower than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Farmington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Farmington’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.