FEMA expects about as much hazard damage per building in Harrison Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Harrison Township gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #645 of 701 in Michigan. Most of that expected damage is river and rain flooding (82%), then tornadoes (11%). Flood insurance has paid 245 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 stands out about Harrison Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Harrison 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
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 Harrison Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Harrison Township, and Harrison Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Next is tornadoes at 11% (higher than 86% of U.S. census tracts).
C+ #645 of 701 in Michigan; higher expected damage per building than 58% of U.S. towns (21,298).
Harrison Township’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, Harrison Township has more expected damage per building than 92% of Michigan towns.
In dollars, FEMA expects about $8.7M a year in losses across Harrison Township: $6.4M to buildings, the rest to people and crops.
Does Harrison Township flood? Yes: 245 flood claims since 1979
Every paid claim on a federal flood insurance policy in Harrison Township, from FEMA’s records: 19.5 per 1,000 homes, more than 84% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $20K
Harrison Township 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.The storms Harrison Township remembers
None of the 14 disasters declared for Macomb County shows FEMA aid or repair money reaching Harrison Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 1986130 flood claims paidThe year of Severe Storms and Flooding, declared for Macomb County
- 198536 flood claims paidNo declaration for the county that year
- 201920 flood claims paidNo declaration for the county 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 Harrison Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harrison Township archive →Harrison Township and its neighbors
Harrison Township is 4th 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 |
|---|---|---|---|
| Chesterfield Township | B+less damage than 68% | river and rain flooding | 107 |
| Mount Clemens | B+less damage than 66% | river and rain flooding | 41 |
| Clinton Township | B−less damage than 53% | river and rain flooding | 63 |
| Harrison Township | C+more damage than 58% | river and rain flooding | 245 |
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 Harrison 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.
- 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 Harrison Township
Is Harrison Township at risk for natural disasters?
On FEMA’s National Risk Index, Harrison Township has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #645 of 701 in Michigan. Most of the expected damage is river and rain flooding (82%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Harrison Township flood?
Flood insurance has paid 245 claims in Harrison Township since 1979, $1.0M in all, or 19.5 per 1,000 homes, more than 84% of U.S. towns with a flood insurance record. 14 properties have flooded more than once. The most claims came from Hurricane Ike (1).
Is Harrison 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 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 Harrison Township?
FEMA’s Community Rating System list shows no discount for Harrison Township’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 Harrison Township?
By flood claims, Hurricane Ike: 1 paid, $20K.
Is Harrison Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Harrison Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Harrison Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harrison 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.