Natural hazards · Hagar

Hagar, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hagar comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 11 claims here since 1986.

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

Expected damage

How exposed is Hagar?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hagar to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding59%Cold waves15%Tornadoes12%Strong wind6%Everything else8%

By hazard

What Hagar faces

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

Inland flooding

59% of expected damage

Below average · higher than 34% 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

12% of expected damage

Above average · higher than 60% of U.S. places

Strong wind

6% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat 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 Hagar flood?

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

11paid claims since 1986

$418Kpaid to owners

1homes flooded more than once

19862026

Biggest named events

Hurricane Ike: 1 claim, $46K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hagar 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 Hagar

Federal disasters declared here

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

Brought FEMA money into HagarDeclared for Berrien County only

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

Around Hagar

Hagar and the towns around it

Very lowLowModerateHighVery high

Covertmostly inland floodingModerate

Bentonmostly inland floodingLow

Colomamostly inland floodingLow

Hagarmostly 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. Hagar covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hagar’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hagar. 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 Hagar total about $888K 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.