Natural hazards · Hayes

Hayes, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hayes comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Hayes?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hayes to be higher than in 12% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding38%Strong wind23%Cold waves16%Tornadoes12%Everything else12%

By hazard

What Hayes faces

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

Inland flooding

38% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about once every 4 years in the area

Strong wind

23% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Cold waves

16% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 64% of U.S. places

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 Hayes flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clare County.

Disasters that hit Hayes

Federal disasters declared here

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

Brought FEMA money into HayesDeclared for Clare County only

Clare County has had 7 natural disasters declared since 1953, most often winter storms and floods.

Around Hayes

Hayes and the towns around it

Very lowLowModerateHighVery high

Hamiltonmostly inland floodingLow

Hattonmostly inland floodingVery low

Greenwoodmostly inland floodingVery low

Frostmostly inland floodingVery low

Hayesmostly 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. Hayes covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Hayes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hayes. 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 Hayes total about $2.4M 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.