Natural Disaster Risk in Ray
Michigan
7.5out of 10
Risk Summary for Ray
Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.
Top Hazards
Cold Wave Strong Wind Tornado
All 18 Hazard Scores
Tornado 9.9
Strong Wind 9.9
Cold Wave 9.9
Ice Storm 9.8
Extreme Heat 9.5
Coastal Flooding 9.3
Hail 9.2
Winter Weather 9.0
Lightning 9.0
Earthquake 8.6
Hurricane 6.7
Tsunami 5.4
Volcanic Activity 5.1
Wildfire 4.9
Avalanche 4.5
Landslide 4.4
Drought 1.7
Riverine Flooding 1.0
How it compares
Ray 7.5
Michigan avg. 5.3
US national avg. 4.5
Live Conditions
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🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
ZIP Codes in Ray
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.