Bay City, MI
Local storm history & FEMA National Risk Index data
Bay City is rated Relatively Low for overall natural hazard risk — lower risk than most US counties — based on FEMA's National Risk Index for Bay County, MI. The county's highest-rated hazards are winter weather, strong wind, and cold wave.
Storm events near Bay City
NOAA-recorded tornado, hail, and flood events within 25 miles of Bay City's center, 2016–2026 — the only hazards NOAA reports with exact coordinates, so these counts are specific to Bay City itself, not the whole county.
County-wide hazard risk
Every other hazard FEMA and NOAA track — including drought — is only scored at the county level. These are Bay County's FEMA National Risk Index scores, covering Bay City along with the rest of the county, not a Bay City-specific figure.
| Hazard | NRI score | Rating |
|---|---|---|
| Wildfire | 14.7 | Very Low |
| Inland Flooding | 81.5 | Relatively Moderate |
| Coastal Flooding | 45.8 | Relatively Low |
| Earthquake | 42.1 | Very Low |
| Heat Wave | 53.6 | Relatively Low |
| Tornado | 84 | Relatively Moderate |
| Avalanche | — | Not Applicable |
| Cold Wave | 89.9 | Relatively High |
| Drought | 0 | No Rating |
| Hail | 83.7 | Relatively Moderate |
| Hurricane | 42.1 | Very Low |
| Ice Storm | 62.6 | Relatively Moderate |
| Landslide | 14.9 | Very Low |
| Lightning | 57 | Relatively Moderate |
| Strong Wind | 94.4 | Relatively High |
| Tsunami | — | Insufficient Data |
| Volcanic Activity | — | Not Applicable |
| Winter Weather | 94.7 | Relatively High |
Source: FEMA National Risk Index v1.20.0, December 2025. See the methodology page for definitions, or the full Bay County risk profile for disaster declarations, social vulnerability, and climate projection data.
More on Bay County:
Frequently asked questions
What natural hazards is Bay City, MI at risk of?
Bay City is rated Relatively Low for overall natural hazard risk by FEMA's National Risk Index — lower risk than most US counties. The highest-rated hazards for Bay County, where Bay City is located, are winter weather, strong wind, and cold wave.
What is Bay City's biggest natural hazard risk?
Winter Weather is the highest-rated hazard for Bay County, where Bay City is located, scoring 94.7 out of 100 on FEMA's National Risk Index (rated "Relatively High").
Is Bay City a high-risk area for natural disasters?
No — Bay City carries lower risk than most US counties for overall natural hazard risk, per FEMA's National Risk Index rating of "Relatively Low" for Bay County.
Has Bay City had tornadoes, hail, or flooding?
NOAA has recorded 3 tornado, 25 hail, 12 inland flooding events within 25 miles of Bay City since 2016.