Oscoda County
Michigan — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 15th
Oscoda County faces very low composite natural disaster risk (NRI Risk Index score 15.1, 15th national percentile), driven primarily by lightning and wildfire exposure. Expected annual loss across all 18 hazard types is $4M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Lightning | High | 25.93 / yr | $1M |
| Wildfire | Low | 0.00 / yr | $190K |
| Landslide | Very Low | 0.18 / yr | $2K |
| Cold Wave | Low | 2.16 / yr | $406K |
| Hail | Very Low | 1.07 / yr | $84K |
| Riverine Flood | Very Low | 0.11 / yr | $2M |
| Tornado | Very Low | 0.09 / yr | $200K |
| Hurricane | Very Low | 0.01 / yr | $3K |
| Strong Wind | Low | 0.96 / yr | $99K |
| Heat Wave | Very Low | 0.84 / yr | $12K |
| Earthquake | Very Low | 0.00 / yr | $5K |
| Winter Weather | Very Low | 17.05 / yr | $3K |
| Ice Storm | Very Low | 0.08 / yr | $2K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | 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 Oscoda County?
Oscoda County has a composite FEMA National Risk Index score of 15.1 out of 100, placing it in the Very Low category and the 15th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Oscoda County?
The three highest-rated hazards are Lightning (High, $1M EAL), Wildfire (Low, $190K EAL), Landslide (Very Low, $2K EAL). These account for most of the county's expected annual losses.
How does Oscoda County compare to other Michigan counties?
Oscoda County ranks #75 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. Oscoda County's $4M EAL is a statistical average, not a guarantee for any specific year or address.