Natural hazards · Livingston

Livingston, MI natural hazards

Most of the natural-hazard damage FEMA expects in Livingston 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 Livingston?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Livingston to be higher than in 4% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves23%Hail8%Strong wind6%Lightning6%Tornadoes6%Everything else2%

By hazard

What Livingston 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

Well below average · higher than 14% of U.S. places

Recorded about once every 28 years in the area

Cold waves

23% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 2 times a year in the area

Hail

8% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

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

Recorded about once a year in the area

Lightning

6% of expected damage

Well above average · higher than 92% of U.S. places

Tornadoes

6% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once every 78 years in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslides

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 Livingston flood?

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

Disasters that hit Livingston

Federal disasters declared here

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

Brought FEMA money into LivingstonDeclared for Otsego County only

Otsego County has had 5 natural disasters declared since 1953, most often winter storms and ice storms.

Around Livingston

Livingston and the towns around it

Very lowLowModerateHighVery high

Dovermostly inland floodingLow

Corwithmostly inland floodingLow

Bagleymostly inland floodingVery low

Livingstonmostly inland floodingVery low

Elmiramostly inland floodingVery low

Gaylordmostly 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. Livingston covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Livingston’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Livingston. 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 Livingston total about $1.7M 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.