Natural hazards · Nester

Nester, MI natural hazards

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

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

Expected damage

How exposed is Nester?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Nester to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding73%Cold waves9%Tornadoes6%Everything else12%

By hazard

What Nester faces

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

Inland flooding

73% of expected damage

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

Recorded about once every 9 years in the area

Cold waves

9% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once every 30 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Nester flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Roscommon County.

Disasters that hit Nester

Federal disasters declared here

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

Brought FEMA money into NesterDeclared for Roscommon County only

Roscommon County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around Nester

Nester and the towns around it

Very lowLowModerateHighVery high

Nestermostly inland floodingModerate

Backusmostly inland floodingModerate

Richfieldmostly inland floodingModerate

Roscommonmostly inland floodingLow

Edwardsmostly inland floodingLow

Shermanmostly inland floodingLow

Franklinmostly 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. Nester covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Nester’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Nester. 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 Nester total about $1.4M 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.