Port Huron, Michigan: natural disaster risk
How exposed Port Huron is to floods, storms and other hazards, from FEMA and NOAA records for St. Clair County.
Port Huron is a city of 28,620 people in St. Clair County, Michigan. FEMA's National Risk Index rates St. Clair County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, cold wave and tornado, with about $49.4 million in expected losses a year across the county. The weather service has logged 425 storm reports in the county since 1953, including 23 tornadoes and 16 floods. NOAA hurricane records show 0 hurricanes and 1 tropical storm passing within 65 miles of the county's center. About 2% of homes in the county carry federal flood insurance.
Risk figures are for St. Clair County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Port Huron
Full St. Clair County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $29M | |
| Cold wave | $10M | |
| Tornado | $6M | |
| Strong wind | $2M | |
| Heat wave | $733K | |
| Ice storm | $705K | |
| Earthquake | $305K | |
| Hail | $256K | |
| Lightning | $199K | |
| Winter weather | $88K | |
| Coastal flooding | $57K | |
| Hurricane | $24K |
Homes in Port Huron
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in St. Clair County
Common questions about Port Huron
Is Port Huron safe from natural disasters?
Port Huron is in St. Clair County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, cold wave, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Port Huron?
By expected yearly losses in St. Clair County, the top hazards are inland flooding (Moderate), cold wave (High), tornado (Moderate). St. Clair County has been part of 9 federal disaster or emergency declarations for natural events.
Does Port Huron get tornadoes?
Yes. NOAA records list 23 tornadoes in St. Clair County since 1950; the strongest was an F4 tornado on May 21, 1953. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Port Huron?
Standard home insurance does not cover floods. In St. Clair County, about 2% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.