Natural hazards · Ganges

Ganges, MI natural hazards

Most of the natural-hazard damage FEMA expects in Ganges comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1980.

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

Expected damage

How exposed is Ganges?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ganges to be higher than in 28% of U.S. communities, mostly from inland flooding.

Inland flooding75%Tornadoes9%Strong wind5%Everything else11%

By hazard

What Ganges faces

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

Inland flooding

75% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

9% of expected damage

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

Strong wind

5% of expected damage

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

Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Ganges flood?

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

4paid claims since 1980

$94Kpaid to owners

0homes flooded more than once

19802026

of all homes
are insured

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

Insurance rates: Allegan County.

Disasters that hit Ganges

Federal disasters declared here

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

Brought FEMA money into GangesDeclared for Allegan County only

Allegan County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Ganges

Ganges and the towns around it

Very lowLowModerateHighVery high

Cascomostly inland floodingLow

Saugatuckmostly inland floodingLow

Gangesmostly inland floodingLow

Clydemostly 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. Ganges covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ganges’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Ganges. 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 Ganges total about $845K 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.