FEMA puts Lenox Township’s expected hazard damage per building below that of 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lenox Township gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #300 of 701 in Michigan. Most of that expected damage is river and rain flooding (77%), then tornadoes (14%). Flood insurance has paid 1 claim here since 2024.
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 Lenox 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 Lenox Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Lenox Township, and Lenox Township’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Next is tornadoes at 14% (higher than 79% of U.S. census tracts).
A− #300 of 701 in Michigan; lower expected damage per building than 80% of U.S. towns (21,298).
Lenox Township’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, Lenox Township has less expected damage per building than 57% of Michigan towns.
In dollars, FEMA expects about $2.6M a year in losses across Lenox Township: $1.5M to buildings, the rest to people and crops.
Does Lenox Township flood? Rarely: 1 flood claim since 2024
Every paid claim on a federal flood insurance policy in Lenox Township, from FEMA’s records: 0.3 per 1,000 homes, fewer than 96% of the 13,809 U.S. towns with a flood insurance record.
Lenox 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.3 federal disasters brought FEMA money to Lenox Township
Disasters that paid out in Lenox Township itself (aid to households or repair grants to Lenox Township), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding11 households applied for aid$27K aid approved
- 2014Severe Storms and Flooding3 households applied for aid$886 aid approved
- 2004Severe Storms, Tornadoes, and Flooding1 households applied for aid$3K aid approved
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 Lenox Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lenox Township archive →Lenox Township and its neighbors
Lenox Township is 2nd of the 5 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 |
|---|---|---|---|
| Richmond | Aless damage than 86% | river and rain flooding | — |
| Lenox Township | A−less damage than 80% | river and rain flooding | 1 |
| Chesterfield Township | B+less damage than 68% | river and rain flooding | 107 |
| Casco Township | B+less damage than 67% | river and rain flooding | — |
| Ray Township | B−more damage than 51% | river and rain flooding | — |
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 Lenox 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 Lenox Township
Is Lenox Township at risk for natural disasters?
On FEMA’s National Risk Index, Lenox Township has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #300 of 701 in Michigan. Most of the expected damage is river and rain flooding (77%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lenox Township flood?
Flood insurance has paid 1 claim in Lenox Township since 2024, $6K in all, or 0.3 per 1,000 homes, fewer than 96% of U.S. towns with a flood insurance record.
Is Lenox 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 Lenox Township?
FEMA’s Community Rating System list shows no discount for Lenox 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 Lenox Township?
By FEMA money that reached Lenox Township, Severe Storms, Tornadoes, and Flooding (2023): 11 households applied for aid, $27K approved.
Is Lenox Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Lenox Township’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lenox Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lenox 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.