Natural Disaster Risk in Commerce Township
Michigan
Risk Summary for Commerce Township
Commerce Township scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Commerce Township, Michigan
Commerce Township, in Oakland County, is a city of approximately 24,479 residents situated in the Great Lakes region. Its humid continental climate brings severe winters amplified by lake-effect snow and warm, humid summers, and in particular intense lake-effect snowstorms off Lake Michigan and Lake Erie. These conditions collectively define the natural hazard environment that Commerce Township residents and property owners must navigate.
Commerce Township's overall natural disaster risk is rated 7.6/10 (High) by FEMA's National Risk Index. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Secondary hazards include tornado and cold wave.
Within Michigan, Commerce Township's risk is, considerably above the 5.3/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Oakland County identifies ice storm as the foremost hazard, followed by tornado and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Commerce Township's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Commerce Township: Ice Storm preparedness
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
Local Factors for Commerce Township
These city-level factors differentiate Commerce Township from other communities in Oakland County and provide geographic context for its hazard exposure.
Population
24,479
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 42.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.3/10
Coordinates
42.5901° N, 83.5070° W
Oakland County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Commerce Township
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Commerce Township
Other cities in Michigan
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.