Photo: HuschlePropertyImaging.com · CC BY-SA 3.0Less hazard damage per building is expected in Bagley than in 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bagley gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns. Most of that expected damage is river and rain flooding (73%), then tornadoes (12%). 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 Bagley 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
Tornadoes
Wildfire
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 Bagley’s grade
River and rain flooding is 73% of the building damage FEMA expects in Bagley, and Bagley’s rate of river and rain flooding damage is lower than 82% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 9% of U.S. census tracts.
A lower expected damage per building than 94% of U.S. towns (21,298).
All of Bagley’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $387K a year in losses across Bagley: $275K to buildings, the rest to people and crops.
Does Bagley flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bagley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
3 federal disasters brought FEMA money to Bagley
Disasters that paid out in Bagley itself (aid to households or repair grants to the City of Bagley), newest first, with that year’s flood claims.
- 2022Severe Storms, Straight-line Winds, and Flooding$18K to the City of Bagley for repairs
- 2009Severe Storms and Flooding$8K to the City of Bagley for repairs
- 2002Severe Storms, Flooding and Tornadoes$17K to the City of Bagley for repairs
Clearwater County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Bagley after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bagley archive →Bagley and its neighbors
Bagley 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 |
|---|---|---|---|
| Bagley | Aless damage than 94% | river and rain flooding | 0 |
| Copley Township | — | 825 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 Bagley 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.
- 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Bagley
Is Bagley at risk for natural disasters?
On FEMA’s National Risk Index, Bagley has lower expected damage per building than 94% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (73%) and tornadoes (12%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Bagley 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 Bagley?
FEMA’s Community Rating System list shows no discount for Bagley’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 Bagley?
By FEMA money that reached Bagley, Severe Storms, Straight-line Winds, and Flooding (2022): $18K to the City of Bagley for repairs.
Is Bagley at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Bagley’s rate for it is lower than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bagley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bagley’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.