Natural hazards · Hersey

Hersey, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hersey comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2014. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Hersey?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hersey to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding69%Cold waves10%Strong wind8%Tornadoes6%Everything else8%

By hazard

What Hersey faces

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

Inland flooding

69% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 3 years in the area

Cold waves

10% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 98 years 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 Hersey flood?

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

2paid claims since 2014

$45Kpaid to owners

0homes flooded more than once

20142026

of all homes
are insured

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

Insurance rates: Osceola County.

Disasters that hit Hersey

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Hersey itself: aid to households, or repair grants to the Village of Hersey.

Brought FEMA money into HerseyDeclared for Osceola County only

2026

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $104K aid approved

Osceola County has had 12 natural disasters declared since 1953, most often floods and winter storms.

Around Hersey

Hersey and the towns around it

Very lowLowModerateHighVery high

Herseymostly inland floodingHigh

Richmondmostly 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. Hersey is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hersey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hersey. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.