Photo: WeaponizingArchitecture · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Huntington Woods as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Huntington Woods gets a B for hazard risk: lower expected damage per building than 55% of U.S. towns, #592 of 701 in Michigan. Most of that expected damage is river and rain flooding (81%), then tornadoes (13%). Flood insurance has paid 2 claims here since 2014.
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 Huntington Woods 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 Huntington Woods’ grade
River and rain flooding is 81% of the building damage FEMA expects in Huntington Woods, and Huntington Woods’ rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Next is tornadoes at 13% (higher than 86% of U.S. census tracts).
B #592 of 701 in Michigan; lower expected damage per building than 55% of U.S. towns (21,298).
Huntington Woods’ residents live in 2 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, Huntington Woods has more expected damage per building than 84% of Michigan towns.
In dollars, FEMA expects about $2.3M a year in losses across Huntington Woods: $1.6M to buildings, the rest to people and crops.
Does Huntington Woods flood? Rarely: 2 flood claims since 2014
Every paid claim on a federal flood insurance policy in Huntington Woods, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
Huntington Woods 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.3 federal disasters brought FEMA money to Huntington Woods
Disasters that paid out in Huntington Woods itself (aid to households or repair grants to the City of Huntington Woods), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding4 households applied for aid$6K aid approved
- 2021Severe Storms, Flooding, and Tornadoes4 households applied for aid$18K aid approved
- 2014Severe Storms and Flooding1,285 households applied for aid$1.8M aid approved2 flood claims paid that year
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 Huntington Woods after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Huntington Woods archive →Huntington Woods and its neighbors
Huntington Woods is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Huntington Woods 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 Huntington Woods
Is Huntington Woods at risk for natural disasters?
On FEMA’s National Risk Index, Huntington Woods has lower expected damage per building than 55% of U.S. towns: B for hazard risk, #592 of 701 in Michigan. Most of the expected damage is river and rain flooding (81%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Huntington Woods flood?
Flood insurance has paid 2 claims in Huntington Woods since 2014, $16K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record.
Is Huntington Woods 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 Huntington Woods?
FEMA’s Community Rating System list shows no discount for Huntington Woods’ 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 Huntington Woods?
By FEMA money that reached Huntington Woods, Severe Storms and Flooding (2014): 1,285 households applied for aid, $1.8M approved.
Is Huntington Woods at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Huntington Woods’ rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Huntington Woods.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Huntington Woods’ 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.