Natural hazards · Sage

Sage, MI natural hazards

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

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

Expected damage

How exposed is Sage?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sage to be higher than in 23% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves19%Tornadoes11%Strong wind8%Everything else10%

By hazard

What Sage faces

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

Inland flooding

52% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once every 3 years in the area

Cold waves

19% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 66 years in the area

Strong wind

8% of expected damage

Well above average · higher than 93% 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 Sage flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gladwin County.

Disasters that hit Sage

Federal disasters declared here

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

Brought FEMA money into SageDeclared for Gladwin County only

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

Around Sage

Sage and the towns around it

Very lowLowModerateHighVery high

Gladwinmostly inland floodingLow

Sagemostly inland floodingLow

Groutmostly inland floodingLow

Hamiltonmostly inland floodingLow

Shermanmostly inland floodingLow

Gladwinmostly 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. Sage covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Sage’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Sage. 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 Sage total about $931K 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.