Climate Risk Atlas/MI/Bay

Bay County Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Bay, MI are Inland Flooding, Cold Wave, and Tornado.

City Risk Scorecard
Physical Resilience98/100

Based on FEMA EAL and hazard intensity.

Primary Regional Threats

Inland Flooding

$20,892,347

County-wide Expected Annual Loss

81.5Score

Cold Wave

$6,881,538

County-wide Expected Annual Loss

89.9Score

Tornado

$4,889,278

County-wide Expected Annual Loss

84.0Score

Geospatial Analysis

Use the interactive map below to visualize the climate risks in Bay County. By toggling the hazard layers, you can overlay FEMA-defined flood zones and Natural Risks Index for 18 hazards. This spatial view allows you to identify which areas fall within the 100 and 500-year floodplains and assess how Inland Flooding risks vary across the county.

Pro Tip

Hover over specific census tracts to see how structural risk scores fluctuate accross the county.

City Reports

EssexvilleAuburnBay City

Active ZIP Code Analysis

48708

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources