St. Clair Shores, Michigan: natural disaster risk
How exposed St. Clair Shores is to floods, storms and other hazards, from FEMA and NOAA records for Macomb County.
St. Clair Shores is a city of 58,140 people in Macomb County, Michigan. FEMA's National Risk Index rates Macomb County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are inland flooding, tornado and cold wave, with about $268 million in expected losses a year across the county. The weather service has logged 724 storm reports in the county since 1958, including 22 tornadoes and 43 floods. About 0.5% of homes in the county carry federal flood insurance.
Risk figures are for Macomb County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in St. Clair Shores
Full Macomb 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.
- 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.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $146M | |
| Tornado | $59M | |
| Cold wave | $41M | |
| Strong wind | $7M | |
| Heat wave | $6M | |
| Ice storm | $3M | |
| Earthquake | $3M | |
| Hail | $2M | |
| Lightning | $1M | |
| Winter weather | $403K | |
| Hurricane | $81K | |
| Coastal flooding | $66K |
Homes in St. Clair Shores
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 Macomb County
More cities in Macomb County
Common questions about St. Clair Shores
Is St. Clair Shores safe from natural disasters?
St. Clair Shores is in Macomb County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are inland flooding, tornado, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in St. Clair Shores?
By expected yearly losses in Macomb County, the top hazards are inland flooding (High), tornado (Very High), cold wave (Very High). Macomb County has been part of 15 federal disaster or emergency declarations for natural events.
Does St. Clair Shores get tornadoes?
Yes. NOAA records list 22 tornadoes in Macomb County since 1950; the strongest was an F4 tornado on May 8, 1964. FEMA rates tornado risk in the county very high.
Do I need flood insurance in St. Clair Shores?
Standard home insurance does not cover floods. In Macomb County, about 0.5% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.