Natural hazards · Handy

Handy, MI natural hazards

Most of the natural-hazard damage FEMA expects in Handy comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1980.

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

Expected damage

How exposed is Handy?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Handy to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes23%Cold waves12%Strong wind9%Everything else7%

By hazard

What Handy faces

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

Inland flooding

50% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 81% of U.S. places

Cold waves

12% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 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 Handy flood?

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

6paid claims since 1980

$9Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Livingston County.

Disasters that hit Handy

Federal disasters declared here

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

Brought FEMA money into HandyDeclared for Livingston County only

Livingston County has had 6 natural disasters declared since 1953, most often floods and winter storms.

Around Handy

Handy and the towns around it

Very lowLowModerateHighVery high

Leroymostly inland floodingLow

Ioscomostly inland floodingLow

Conwaymostly inland floodingLow

Handymostly inland floodingLow

Howellmostly 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. Handy covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Handy’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Handy. 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 Handy total about $2.6M 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.