Photo: WeaponizingArchitecture · CC BY-SA 4.0FEMA expects less hazard damage per building in Fenton than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fenton gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns, #210 of 701 in Michigan. Most of that expected damage is river and rain flooding (67%), then tornadoes (20%). Flood insurance has paid 1 claim here since 2026.
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 Fenton 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 Fenton’s grade
River and rain flooding is 67% of the building damage FEMA expects in Fenton, and Fenton’s rate of river and rain flooding damage is lower than 77% of U.S. census tracts. Strong wind adds 7%, at a rate in the top 8% of U.S. census tracts.
A #210 of 701 in Michigan; lower expected damage per building than 86% of U.S. towns (21,298).
Fenton’s residents live in 4 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, Fenton has less expected damage per building than 70% of Michigan towns.
In dollars, FEMA expects about $3.5M a year in losses across Fenton: $2.2M to buildings, the rest to people and crops.
Does Fenton flood? Rarely: 1 flood claim since 2026
Every paid claim on a federal flood insurance policy in Fenton, from FEMA’s records: 0.2 per 1,000 homes, fewer than 98% of the 13,809 U.S. towns with a flood insurance record.
Fenton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Genesee County.3 federal disasters brought FEMA money to Fenton
Disasters that paid out in Fenton itself (aid to households or repair grants to the City of Fenton), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding11 households applied for aid$16K aid approved
- 2004Severe Storms, Tornadoes, and Flooding12 households applied for aid$5K aid approved
- 2000Snow$7K to the City of Fenton for repairs
Genesee County has had 9 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 Fenton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fenton archive →Fenton and its neighbors
Fenton is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Holly Township | Aless damage than 90% | river and rain flooding | 2 |
| Fenton | Aless damage than 86% | river and rain flooding | 1 |
| Tyrone Township | A−less damage than 79% | river and rain flooding | — |
| Fenton Township | A−less damage than 77% | river and rain flooding | 3 |
| Lake Fenton | — | a Census area inside a town; graded with the town | |
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 Fenton 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 Fenton
Is Fenton at risk for natural disasters?
On FEMA’s National Risk Index, Fenton has lower expected damage per building than 86% of U.S. towns: A for hazard risk, #210 of 701 in Michigan. Most of the expected damage is river and rain flooding (67%) and tornadoes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fenton flood?
Flood insurance has paid 1 claim in Fenton since 2026, $63K in all, or 0.2 per 1,000 homes, fewer than 98% of U.S. towns with a flood insurance record.
Is Fenton 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 Genesee County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Fenton?
FEMA’s Community Rating System list shows no discount for Fenton’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 Fenton?
By FEMA money that reached Fenton, Severe Storms, Tornadoes, and Flooding (2023): 11 households applied for aid, $16K approved.
Is Fenton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Fenton’s rate for it is lower than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fenton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fenton’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.