Natural hazards · Hay

Hay, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hay comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 26 claims here since 2004.

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

Expected damage

How exposed is Hay?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hay to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding70%Cold waves10%Tornadoes8%Strong wind6%Everything else6%

By hazard

What Hay faces

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

Inland flooding

70% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 3 years in the area

Cold waves

10% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 92 years in the area

Strong wind

6% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 2 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 Hay flood?

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

26paid claims since 2004

$1.1Mpaid to owners

4homes flooded more than once

20042026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hay 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 Hay

Federal disasters declared here

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

Brought FEMA money into HayDeclared for Gladwin County only

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

Around Hay

Hay and the towns around it

Very lowLowModerateHighVery high

Haymostly inland floodingModerate

Billingsmostly inland floodingModerate

Grimmostly inland floodingModerate

Secordmostly inland floodingModerate

Gladwinmostly inland floodingLow

Buckeyemostly 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. Hay covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hay. 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 Hay total about $1.1M 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.