Natural Disaster Risk in Bergland
Michigan
Risk Summary for Bergland
Bergland scores 3.7/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Below-average risk β standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Bergland, Michigan
Located in the northern tier of the continental United States in Ontonagon County, Bergland is a small unincorporated community. The humid continental climate that characterizes this part of Michigan β marked by severe winters amplified by lake-effect snow and warm, humid summers β directly influences the types and severity of natural hazards present, making Bergland a community where hazard awareness has real practical value.
Bergland's overall natural disaster risk is rated 3.7/10 (Low) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include winter and tsunami.
Relative to other U.S. communities, Bergland's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.3/10 state average. The hazard distribution here is led by coastal flood and winter, as measured by FEMA across Ontonagon County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Bergland carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk β coastal flood β warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for Bergland: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Local Factors for Bergland
These city-level factors differentiate Bergland from other communities in Ontonagon County and provide geographic context for its hazard exposure.
Population
298
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.6Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower β moist climate limits wildfire frequency
Fire score: 4.0/10
Coordinates
46.6181Β° N, 89.5431Β° W
Ontonagon County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Bergland
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Bergland
Other cities in Michigan
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.