Less hazard damage per building is expected in Hamburg Township than in 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hamburg Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns, #481 of 701 in Michigan. Most of that expected damage is river and rain flooding (74%), then tornadoes (14%). Flood insurance has paid 53 claims here since 1981.
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 stands out about Hamburg Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Hamburg Township 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 Hamburg Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Hamburg Township, and Hamburg Township’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 4% of U.S. census tracts.
B+ #481 of 701 in Michigan; lower expected damage per building than 68% of U.S. towns (21,298).
Hamburg Township’s residents live in 7 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, Hamburg Township has more expected damage per building than 69% of Michigan towns.
In dollars, FEMA expects about $6.4M a year in losses across Hamburg Township: $4.6M to buildings, the rest to people and crops.
Does Hamburg Township flood? Sometimes: 53 flood claims since 1981
Every paid claim on a federal flood insurance policy in Hamburg Township, from FEMA’s records: 5.7 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike3 claims · $46K
Hamburg Township is in FEMA’s Community Rating System (class 9) for its flood-proofing work.
Insurance rates: Livingston County.The storms Hamburg Township remembers
None of the 5 disasters declared for Livingston County shows FEMA aid or repair money reaching Hamburg Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 200427 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Livingston County
- 20117 flood claims paidNo declaration for the county that year
- 20085 flood claims paidNo declaration for the county that year
Livingston County has had 5 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 Hamburg Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hamburg Township archive →Hamburg Township and its neighbors
Hamburg Township is 5th of the 6 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 |
|---|---|---|---|
| Genoa Township | Aless damage than 93% | river and rain flooding | 2 |
| Brighton | Aless damage than 93% | river and rain flooding | — |
| Green Oak Township | A−less damage than 75% | river and rain flooding | 15 |
| Webster Township | B+less damage than 75% | river and rain flooding | — |
| Hamburg Township | B+less damage than 68% | river and rain flooding | 53 |
| Putnam Township | B+less damage than 66% | river and rain flooding | 4 |
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 Hamburg Township 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.
- Hamburg Township residents get 05% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Hamburg Township
Is Hamburg Township at risk for natural disasters?
On FEMA’s National Risk Index, Hamburg Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk, #481 of 701 in Michigan. Most of the expected damage is river and rain flooding (74%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hamburg Township flood?
Flood insurance has paid 53 claims in Hamburg Township since 1981, $689K in all, or 5.7 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Hurricane Ike (3).
Is Hamburg Township 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 Livingston County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Hamburg Township?
Hamburg Township is in FEMA’s Community Rating System (class 9), which takes 05% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Hamburg Township?
By flood claims, Hurricane Ike: 3 paid, $46K.
Is Hamburg Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Hamburg Township’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hamburg Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hamburg Township’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.