Michigan Natural Disaster Risk by County
FEMA National Risk Index rankings for all 83 counties
Counties
83
All ranked by NRI score
State Avg. Score
49.6
Medium risk
Total State EAL
$2.85B
Expected annual losses
Highest Risk
Wayne
Score 99.0 · High
Michigan spans 83 counties with an average FEMA National Risk Index score of 49.6 (moderate risk) and roughly $2.85B in combined expected annual loss statewide. 3 counties are rated High or Very High risk.
The highest-risk county is Wayne County (score 99.0, high), while Keweenaw County (score 0.7) carries the lowest. Use the table below to compare every county by score, top hazard, and expected annual loss.
County Rankings
| # | County | Risk Score | Risk Rating | Top Hazard | Ann. Loss |
|---|---|---|---|---|---|
| 1 | Wayne County | High | Cold Wave | $402M | |
| 2 | Oakland County | High | Tornado | $359M | |
| 3 | Macomb County | High | Tornado | $268M | |
| 4 | Genesee County | Medium | Tornado | $113M | |
| 5 | Kent County | Medium | Strong Wind | $147M | |
| 6 | Washtenaw County | Medium | Strong Wind | $93M | |
| 7 | Saginaw County | Medium | Winter Weather | $72M | |
| 8 | Ingham County | Medium | Strong Wind | $72M | |
| 9 | Ottawa County | Medium | Strong Wind | $68M | |
| 10 | Monroe County | Medium | Strong Wind | $55M | |
| 11 | St. Clair County | Medium | Cold Wave | $49M | |
| 12 | Berrien County | Medium | Strong Wind | $45M | |
| 13 | Kalamazoo County | Medium | Hail | $55M | |
| 14 | Bay County | Low | Winter Weather | $38M | |
| 15 | Jackson County | Low | Tornado | $38M | |
| 16 | Calhoun County | Low | Strong Wind | $35M | |
| 17 | Livingston County | Low | Strong Wind | $55M | |
| 18 | Tuscola County | Low | Strong Wind | $28M | |
| 19 | Midland County | Low | Strong Wind | $32M | |
| 20 | Sanilac County | Low | Cold Wave | $23M | |
| 21 | Muskegon County | Low | Strong Wind | $28M | |
| 22 | Lenawee County | Low | Strong Wind | $30M | |
| 23 | Marquette County | Low | Hail | $26M | |
| 24 | Mecosta County | Low | Strong Wind | $24M | |
| 25 | Allegan County | Low | Strong Wind | $32M | |
| 26 | Eaton County | Low | Strong Wind | $30M | |
| 27 | Lapeer County | Low | Strong Wind | $28M | |
| 28 | Isabella County | Low | Winter Weather | $22M | |
| 29 | Grand Traverse County | Low | Winter Weather | $31M | |
| 30 | Shiawassee County | Low | Strong Wind | $22M | |
| 31 | Van Buren County | Low | Hail | $20M | |
| 32 | Cheboygan County | Low | Riverine Flood | $15M | |
| 33 | Dickinson County | Low | Cold Wave | $21M | |
| 34 | Huron County | Low | Cold Wave | $18M | |
| 35 | St. Joseph County | Low | Hail | $19M | |
| 36 | Montcalm County | Low | Strong Wind | $19M | |
| 37 | Roscommon County | Low | Winter Weather | $13M | |
| 38 | Ionia County | Low | Strong Wind | $20M | |
| 39 | Iron County | Low | Cold Wave | $13M | |
| 40 | Gratiot County | Low | Strong Wind | $17M | |
| 41 | Delta County | Low | Cold Wave | $15M | |
| 42 | Branch County | Low | Hail | $14M | |
| 43 | Hillsdale County | Low | Tornado | $14M | |
| 44 | Leelanau County | Low | Cold Wave | $16M | |
| 45 | Cass County | Low | Strong Wind | $14M | |
| 46 | Clare County | Low | Strong Wind | $9M | |
| 47 | Newaygo County | Low | Winter Weather | $13M | |
| 48 | Clinton County | Low | Strong Wind | $24M | |
| 49 | Barry County | Low | Strong Wind | $17M | |
| 50 | Menominee County | Low | Cold Wave | $11M | |
| 51 | Gladwin County | Very Low | Winter Weather | $9M | |
| 52 | Emmet County | Very Low | Cold Wave | $13M | |
| 53 | Iosco County | Very Low | Winter Weather | $8M | |
| 54 | Manistee County | Very Low | Winter Weather | $9M | |
| 55 | Ogemaw County | Very Low | Hail | $8M | |
| 56 | Wexford County | Very Low | Winter Weather | $9M | |
| 57 | Oceana County | Very Low | Strong Wind | $10M | |
| 58 | Alpena County | Very Low | Cold Wave | $7M | |
| 59 | Chippewa County | Very Low | Wildfire | $8M | |
| 60 | Antrim County | Very Low | Cold Wave | $10M | |
| 61 | Gogebic County | Very Low | Lightning | $6M | |
| 62 | Mason County | Very Low | Winter Weather | $7M | |
| 63 | Houghton County | Very Low | Winter Weather | $10M | |
| 64 | Osceola County | Very Low | Winter Weather | $6M | |
| 65 | Benzie County | Very Low | Winter Weather | $7M | |
| 66 | Charlevoix County | Very Low | Cold Wave | $8M | |
| 67 | Lake County | Very Low | Winter Weather | $5M | |
| 68 | Presque Isle County | Very Low | Lightning | $5M | |
| 69 | Kalkaska County | Very Low | Winter Weather | $6M | |
| 70 | Arenac County | Very Low | Winter Weather | $6M | |
| 71 | Otsego County | Very Low | Hail | $8M | |
| 72 | Crawford County | Very Low | Winter Weather | $5M | |
| 73 | Alcona County | Very Low | Lightning | $5M | |
| 74 | Montmorency County | Very Low | Landslide | $4M | |
| 75 | Oscoda County | Very Low | Lightning | $4M | |
| 76 | Missaukee County | Very Low | Winter Weather | $5M | |
| 77 | Baraga County | Very Low | Cold Wave | $4M | |
| 78 | Alger County | Very Low | Lightning | $4M | |
| 79 | Mackinac County | Very Low | Landslide | $3M | |
| 80 | Schoolcraft County | Very Low | Lightning | $3M | |
| 81 | Ontonagon County | Very Low | Winter Weather | $2M | |
| 82 | Luce County | Very Low | Landslide | $2M | |
| 83 | Keweenaw County | Very Low | Winter Weather | $609K |
All 83 Michigan counties, ranked by FEMA National Risk Index score.
Frequently Asked Questions
Which Michigan county has the highest natural disaster risk?
Wayne County has the highest FEMA National Risk Index score in Michigan at 99.0 (High), driven largely by cold wave.
What is the average natural disaster risk in Michigan?
Michigan counties average a National Risk Index score of 49.6 across 83 counties, with 3 rated High or Very High risk.
How much are expected annual losses across Michigan?
FEMA estimates roughly $2.85B in combined expected annual loss from natural hazards across all Michigan counties.