As adjectives the difference between raggy and naggy
is that raggy is raglike; like a rag while naggy is prone to nag, irritable.
raggy
English
Adjective
(er)
raglike; like a rag.
scruffy; tending to dress in rags.
Similar in style to ragtime music.
naggy
English
Adjective
(er)
Prone to nag, irritable