Oceana County
Michigan — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 34th
Oceana County faces very low composite natural disaster risk (NRI Risk Index score 33.7, 34th national percentile), driven primarily by strong wind and winter weather exposure. Expected annual loss across all 18 hazard types is $10M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Strong Wind | High | 1.34 / yr | $3M |
| Winter Weather | High | 28.99 / yr | $427K |
| Landslide | Low | 0.19 / yr | $5K |
| Ice Storm | Low | 0.88 / yr | $65K |
| Riverine Flood | Low | 0.29 / yr | $5M |
| Wildfire | Very Low | 0.00 / yr | $17K |
| Lightning | Low | 30.04 / yr | $105K |
| Tornado | Low | 0.21 / yr | $500K |
| Heat Wave | Very Low | 1.68 / yr | $130K |
| Cold Wave | Low | 0.89 / yr | $371K |
| Coastal Flood | Very Low | 0.01 / yr | $3K |
| Hurricane | Very Low | 0.01 / yr | $6K |
| Hail | Very Low | 0.86 / yr | $66K |
| Earthquake | Very Low | 0.00 / yr | $26K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Drought | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Oceana County?
Oceana County has a composite FEMA National Risk Index score of 33.7 out of 100, placing it in the Very Low category and the 34th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Oceana County?
The three highest-rated hazards are Strong Wind (High, $3M EAL), Winter Weather (High, $427K EAL), Landslide (Low, $5K EAL). These account for most of the county's expected annual losses.
How does Oceana County compare to other Michigan counties?
Oceana County ranks #57 of 83 Michigan counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Oceana County's $10M EAL is a statistical average, not a guarantee for any specific year or address.