Natural Disasters in Bay Shore, MI
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
38.1
Very Low
Expected Annual Loss
44.7
Score (0-100)
Social Vulnerability
31.7
Score (0-100)
Community Resilience
96.9
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Cold Wave | 80.4 |
| Landslide | 76.4 |
| Lightning | 38.8 |
| Coastal Flood | 31.4 |
| Hail | 31.2 |
| Tornado | 28.1 |
| Winter Weather | 21.2 |
| Heat Wave | 20.4 |
| Wildfire | 16.2 |
| Ice Storm | 14.9 |
| Hurricane | 12.8 |
| Strong Wind | 12.5 |
| Earthquake | 5.7 |
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster Declarations
Source: FEMA OpenFEMATotal Declarations
6
Most Recent
Severe Ice Storm
Jul 2025
Most Common Type
Biological
2 declarations
| Date | Type | Declaration |
|---|---|---|
| Jul 22, 2025 | Severe Ice Storm | SEVERE WINTER STORM |
| Mar 27, 2020 | Biological | COVID-19 PANDEMIC |
| Mar 13, 2020 | Biological | COVID-19 |
| Sep 7, 2005 | Hurricane | HURRICANE KATRINA EVACUATION |
| Jan 27, 1978 | Snowstorm | BLIZZARDS & SNOWSTORMS |
| Mar 2, 1977 | Drought | DROUGHT |
Individual Assistance
Source: FEMA Housing AssistanceTotal IA Registrations
6
Total IA Distributed
$34,198
| Disaster | Registrations | Total IA $ | Avg Damage |
|---|---|---|---|
| DR-4494 | 6 | $34,198 | — |
Individual and household assistance for homeowners and renters affected by federally declared disasters.
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
5
Total Claims Paid
$13,550
Avg Claim Payout
$2,710
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$5,096,389
Disasters with PA
2
Total Projects
22
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4494 | Biological | 5 | $4,759,452 |
| DR-4880 | Winter Storm | 17 | $336,937 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
1
Federal Funding
$56,436
Avg Benefit-Cost Ratio
5.36
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 402.1: Infrastructure Protective Measures (Roads and Bridges); 403.1: Stormwater Management - Culverts | 1 | $56,436 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Bay Shore has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are cold wave, landslide, lightning. The area has had 6 federal disaster declarations. The most common disaster type is biological (2 declarations). 5 flood insurance claims have been filed in the area. FEMA has obligated $5,096,389 in public assistance recovery funding. $34,198 has been distributed in individual assistance to disaster-affected residents. 1 hazard mitigation projects have been funded to reduce future risk.