🌍 ClimateRiskCheck

Natural Disaster Risk in Bergland

Michigan

3.7out of 10
Low Risk

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

Coastal Flooding Winter Weather Tsunami

All 18 Hazard Scores

Coastal Flooding
8.8
Winter Weather
6.3
Tsunami
5.4
Cold Wave
5.3
Volcanic Activity
5.1
Avalanche
4.5
Wildfire
4.0
Lightning
3.6
Drought
3.2
Strong Wind
2.7
Hail
2.6
Hurricane
2.4
Landslide
2.0
Tornado
1.9
Extreme Heat
1.8
Ice Storm
1.8
Earthquake
1.1
Riverine Flooding
1.0

How it compares

Bergland
3.7
Michigan avg.
5.3
US national avg.
4.5

Live Conditions

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🏠 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

Rural

Geographic 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

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ZIP Codes in Bergland

Other cities in Michigan

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.