FEMA puts Reese’s expected hazard damage per building above that of 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Reese gets a C for hazard risk: higher expected damage per building than 65% of U.S. towns. Most of that expected damage is river and rain flooding (80%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Reese faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Strong wind
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Reese’s grade
River and rain flooding is 80% of the building damage FEMA expects in Reese, and Reese’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 2% of U.S. census tracts.
C higher expected damage per building than 65% of U.S. towns (21,298).
Reese’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $682K a year in losses across Reese: $495K to buildings, the rest to people and crops.
Does Reese flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Reese. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Reese isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tuscola County.1 federal disaster brought FEMA money to Reese
Disasters that paid out in Reese itself (aid to households or repair grants to the Village of Reese), newest first, with that year’s flood claims.
- 2000Snow$1K to the Village of Reese for repairs
Tuscola County has had 9 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Reese after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Reese archive →Get ready for what Reese faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Reese
Is Reese at risk for natural disasters?
On FEMA’s National Risk Index, Reese has higher expected damage per building than 65% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (80%) and strong wind (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Reese in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Tuscola County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Reese?
FEMA’s Community Rating System list shows no discount for Reese’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Reese?
By FEMA money that reached Reese, Snow (2000): $1K to the Village of Reese for repairs.
Is Reese at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Reese’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Reese.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Reese’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.