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.

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 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes20%Strong wind13%Cold waves11%Everything else6%

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

50% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

20% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 30 years in the area

Strong wind

13% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

11% of expected damage

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

Recorded about 2 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: Clinton County.

Disasters that hit Riley

Federal disasters declared here

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

Brought FEMA money into RileyDeclared for Clinton County only

Clinton County has had 8 natural disasters declared since 1953, most often winter storms and severe storms.

Around Riley

Riley and the towns around it

Very lowLowModerateHighVery high

Bengalmostly inland floodingModerate

Rileymostly inland floodingModerate

Olivemostly inland floodingModerate

Westphaliamostly inland floodingLow

Watertownmostly 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 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 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.

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.