Natural hazards · Bagley

Bagley, MI natural hazards

Most of the natural-hazard damage FEMA expects in Bagley comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Bagley?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bagley to be higher than in 7% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves23%Hail10%Strong wind8%Tornadoes8%Lightning6%Everything else1%

By hazard

What Bagley faces

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

Inland flooding

44% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once every 28 years in the area

Cold waves

23% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 2 times a year in the area

Hail

10% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Below average · higher than 45% of U.S. places

Lightning

6% of expected damage

Well above average · higher than 92% of U.S. places

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslides

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 Bagley flood?

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

Disasters that hit Bagley

Federal disasters declared here

None of the disasters declared for Otsego County shows FEMA aid or repair money reaching Bagley itself in FEMA’s records.

Brought FEMA money into BagleyDeclared for Otsego County only

Otsego County has had 5 natural disasters declared since 1953, most often winter storms and ice storms.

Around Bagley

Bagley and the towns around it

Very lowLowModerateHighVery high

Otsego Lakemostly inland floodingVery low

Hayesmostly inland floodingVery low

Chestermostly inland floodingVery low

Bagleymostly inland floodingVery low

Livingstonmostly inland floodingVery low

Gaylordmostly inland floodingVery low

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. Bagley covers 1 census tract, combined by population.

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

FEMA’s expected losses across Bagley total about $1.1M a year, counting buildings, people and crops.

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.