Natural hazards · Riley

Riley, MI natural hazards

Most of the natural-hazard damage FEMA expects in Riley comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Riley?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Riley to be higher than in 49% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes15%Cold waves14%Strong wind5%Everything else4%

By hazard

What Riley faces

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

Inland flooding

62% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 69 years in the area

Cold waves

14% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 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 Riley flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Clair County.

Disasters that hit Riley

1 federal disaster brought FEMA money here

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

Brought FEMA money into RileyDeclared for St. Clair County only

2004

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $16K aid approved

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

Around Riley

Riley and the towns around it

Very lowLowModerateHighVery high

Berlinmostly inland floodingModerate

Rileymostly inland floodingModerate

Walesmostly inland floodingLow

Emmettmostly inland floodingLow

Richmondmostly inland floodingLow

Memphismostly 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. Riley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Riley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Riley. 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 Riley total about $1.6M 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.