Natural hazards · Valley

Valley, MI natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Valley to be higher than in 35% of U.S. communities, mostly from inland flooding.

Inland flooding74%Tornadoes9%Strong wind5%Everything else12%

By hazard

What Valley faces

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

Inland flooding

74% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

9% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 53 years in the area

Strong wind

5% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Valley flood?

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

of all homes
are insured

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

Insurance rates: Allegan County.

Disasters that hit Valley

Federal disasters declared here

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

Brought FEMA money into ValleyDeclared for Allegan County only

Allegan County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Valley

Valley and the towns around it

Very lowLowModerateHighVery high

Valleymostly inland floodingLow

Heathmostly inland floodingLow

Cheshiremostly inland floodingLow

Clydemostly inland floodingLow

Alleganmostly 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. Valley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Valley. 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 Valley 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.