Less hazard damage per building is expected in Huron than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Huron gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 54 claims here since 1978.
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 Huron’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Huron 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
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 Huron’s grade
River and rain flooding is 89% of the building damage FEMA expects in Huron, and Huron’s rate of river and rain flooding damage is lower than 61% of U.S. census tracts.
A lower expected damage per building than 88% of U.S. towns (21,298).
All of Huron’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $610K a year in losses across Huron: $509K to buildings, the rest to people and crops.
Does Huron flood? Sometimes: 54 flood claims since 1978
Every paid claim on a federal flood insurance policy in Huron, from FEMA’s records: 34.3 per 1,000 homes, more than 90% of the 13,809 U.S. towns with a flood insurance record.
Huron isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wayne County.3 federal disasters brought FEMA money to Huron
Disasters that paid out in Huron itself (aid to households or repair grants to the Town of Huron), newest first, with that year’s flood claims.
- 2017Flooding$140K to the Town of Huron for repairs6 flood claims paid that year
- 2003Ice Storm1 households applied for aid$2K aid approved$38K to the Town of Huron for repairs
- 1999Snow$6K to the Town of Huron for repairs
Wayne County has had 11 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Huron after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Huron archive →Huron and its neighbors
Huron is 3rd of the 5 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 Huron 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.
- 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 Huron
Is Huron at risk for natural disasters?
On FEMA’s National Risk Index, Huron has lower expected damage per building than 88% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (89%). 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.
Does Huron flood?
Flood insurance has paid 54 claims in Huron since 1978, $1.1M in all, or 34.3 per 1,000 homes, more than 90% of U.S. towns with a flood insurance record. 9 properties have flooded more than once.
Is Huron 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 Wayne County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Huron?
FEMA’s Community Rating System list shows no discount for Huron’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 Huron?
By FEMA money that reached Huron, Flooding (2017): $140K to the Town of Huron for repairs.
Is Huron at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and Huron’s rate for it is lower than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Huron.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Huron’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.