Photo: Detroit Lions Super Bowl Champs · CC BY-SA 4.0FEMA puts Metamora Township’s expected hazard damage per building below that of 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Metamora Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns, #209 of 701 in Michigan. Most of that expected damage is river and rain flooding (66%), then tornadoes (17%). FEMA’s files show no paid flood insurance claims here.
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 Metamora 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 Metamora Township’s grade
River and rain flooding is 66% of the building damage FEMA expects in Metamora Township, and Metamora Township’s rate of river and rain flooding damage is lower than 78% of U.S. census tracts. Strong wind adds 11%, at a rate in the top 4% of U.S. census tracts.
A #209 of 701 in Michigan; lower expected damage per building than 86% of U.S. towns (21,298).
All of Metamora Township’s residents live in one census tract; the figures are that tract’s.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Metamora Township has less expected damage per building than 70% of Michigan towns.
In dollars, FEMA expects about $1.6M a year in losses across Metamora Township: $1.1M to buildings, the rest to people and crops.
Does Metamora Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Metamora Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Metamora 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: Lapeer County.The storms Metamora Township remembers
None of the 7 disasters declared for Lapeer County shows FEMA aid or repair money reaching Metamora Township itself in FEMA’s records, so these are its biggest flood-claim years.
Lapeer County has had 7 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.
Metamora Township and its neighbors
Metamora Township is 3rd 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 |
|---|---|---|---|
| Oxford Township | A+less damage than 95% | river and rain flooding | — |
| Addison Township | Aless damage than 91% | river and rain flooding | — |
| Metamora Township | Aless damage than 86% | river and rain flooding | 0 |
| Lapeer Township | A−less damage than 81% | river and rain flooding | 1 |
| Dryden Township | A−less damage than 78% | river and rain flooding | — |
| Hadley Township | A−less damage than 78% | 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 Metamora 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Metamora Township
Is Metamora Township at risk for natural disasters?
On FEMA’s National Risk Index, Metamora Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk, #209 of 701 in Michigan. Most of the expected damage is river and rain flooding (66%) and tornadoes (17%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Metamora 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 Lapeer County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Metamora Township?
FEMA’s Community Rating System list shows no discount for Metamora Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Metamora Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Metamora Township’s rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Metamora Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Metamora 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.