Natural hazards · Ashley

Ashley, MI natural hazards

Most of the natural-hazard damage FEMA expects in Ashley comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Ashley?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ashley to be higher than in 61% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes16%Strong wind13%Cold waves11%Everything else8%

By hazard

What Ashley faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

53% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

16% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 16 years in the area

Strong wind

13% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Ashley flood?

FEMA's records show no paid flood insurance claims in Ashley.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ashley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Gratiot County.

Disasters that hit Ashley

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Ashley itself: aid to households, or repair grants to the Village of Ashley.

Brought FEMA money into AshleyDeclared for Gratiot County only

2026

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2000

Snow

$872 to the Village of Ashley for repairs

Gratiot County has had 10 natural disasters declared since 1953, most often floods and winter storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Ashley is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Ashley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Ashley. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.