Natural hazards · Bertrand

Bertrand, MI natural hazards

Most of the natural-hazard damage FEMA expects in Bertrand comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2018.

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

Expected damage

How exposed is Bertrand?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bertrand to be higher than in 9% of U.S. communities, mostly from inland flooding.

Inland flooding57%Cold waves15%Tornadoes11%Strong wind7%Hail5%Everything else5%

By hazard

What Bertrand faces

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

Inland flooding

57% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 68 years in the area

Strong wind

7% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 4 times a year in the area

Hail

5% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesIce 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 Bertrand flood?

Every paid claim on a federal flood insurance policy in Bertrand, from FEMA’s records.

3paid claims since 2018

$83Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Berrien County.

Disasters that hit Bertrand

Federal disasters declared here

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

Brought FEMA money into BertrandDeclared for Berrien County only

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

Around Bertrand

Bertrand and the towns around it

Very lowLowModerateHighVery high

Buchananmostly inland floodingModerate

Nilesmostly inland floodingLow

Galienmostly inland floodingLow

Warrenmostly inland floodingVery low

Bertrandmostly inland floodingVery low

Germanmostly inland floodingVery low

Olivemostly 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. Bertrand covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bertrand’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Bertrand. 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 Bertrand total about $880K 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.