ZIP 48708 — Climate & Environment

FEMA’s National Risk Index rates natural-hazard risk for Bay City city, MI as Relatively Low (composite score 78.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (81.5) and hurricane (42.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.