Natural hazards · Billings

Billings, MI natural hazards

Most of the natural-hazard damage FEMA expects in Billings comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Billings?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Billings to be higher than in 48% of U.S. communities, mostly from inland flooding.

Inland flooding64%Cold waves12%Tornadoes9%Strong wind7%Everything else7%

By hazard

What Billings faces

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

Inland flooding

64% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 3 years in the area

Cold waves

12% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 67% of U.S. places

Strong wind

7% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 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 Billings flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gladwin County.

Disasters that hit Billings

1 federal disaster brought FEMA money here

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

Brought FEMA money into BillingsDeclared for Gladwin County only

2020

Severe Storms and Flooding

$55K to the Township of Billings for repairs

Gladwin County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Billings

Billings and the towns around it

Very lowLowModerateHighVery high

Haymostly inland floodingModerate

Billingsmostly inland floodingModerate

Bentleymostly inland floodingModerate

Hopemostly inland floodingLow

Tobaccomostly inland floodingLow

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. Billings 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 Billings’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Billings. 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.