Photo: Andreas Faessler · CC BY-SA 4.0FEMA puts Rogers City’s expected hazard damage per building below that of 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Rogers City gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns, #59 of 701 in Michigan. Most of that expected damage is river and rain flooding (94%). 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 Rogers City 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
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 Rogers City’s grade
River and rain flooding is 94% of the building damage FEMA expects in Rogers City, and Rogers City’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts.
A #59 of 701 in Michigan; lower expected damage per building than 94% of U.S. towns (21,298).
Rogers City’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Rogers City has less expected damage per building than 92% of Michigan towns.
In dollars, FEMA expects about $802K a year in losses across Rogers City: $559K to buildings, the rest to people and crops.
Does Rogers City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Rogers City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
2 federal disasters brought FEMA money to Rogers City
Disasters that paid out in Rogers City itself (aid to households or repair grants to the City of Rogers City), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding18 households applied for aid$103K aid approved$25K to the City of Rogers City for repairs
- 2025Severe Winter Storm$119K to the City of Rogers City for repairs
Presque Isle County has had 4 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Rogers City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rogers City archive →Rogers City and its neighbors
Rogers City has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Rogers City | Aless damage than 94% | river and rain flooding | 0 |
| Rogers Township | — | 901 residents; we grade 1,000+ | |
| Pulawski Township | — | 441 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Rogers City 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.
- 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 Rogers City
Is Rogers City at risk for natural disasters?
On FEMA’s National Risk Index, Rogers City has lower expected damage per building than 94% of U.S. towns: A for hazard risk, #59 of 701 in Michigan. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Rogers City 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.
How much is flood insurance in Rogers City?
FEMA’s Community Rating System list shows no discount for Rogers City’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 Rogers City?
By FEMA money that reached Rogers City, Severe Storms, Tornadoes, and Flooding (2026): 18 households applied for aid, $103K approved, and $25K to the City of Rogers City for repairs.
Is Rogers City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Rogers City’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rogers City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rogers City’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.