83 counties · FEMA NRI December 2025
Michigan: home risks by county
3 of 83 Michigan counties are rated Relatively High or Very High for overall risk relative to other US counties. Sort the table to compare disaster declarations, flood-insurance claims and typical first freeze.
| County | Overall risk ↓ | Declarations | Flood claims | First freeze | Top hazard | Zone | Radon |
|---|---|---|---|---|---|---|---|
| Wayne County | Relatively High | 17 | 2,892 | Oct 27 | Cold wave (Very High) | 5A | 3 |
| Oakland County | Relatively High | 15 | 582 | Oct 20 | Tornado (Very High) | 5A | 2 |
| Macomb County | Relatively High | 18 | 1,437 | Oct 24 | Tornado (Very High) | 5A | 3 |
| Kent County | Relatively Moderate | 13 | 676 | Oct 20 | Strong wind (Very High) | 5A | 2 |
| Genesee County | Relatively Moderate | 14 | 467 | Oct 10 | Tornado (Relatively High) | 5A | 2 |
| Washtenaw County | Relatively Moderate | 12 | 133 | Oct 4 | Strong wind (Relatively High) | 5A | 1 |
| Saginaw County | Relatively Moderate | 18 | 798 | Oct 17 | Winter weather (Very High) | 5A | 3 |
| Ingham County | Relatively Moderate | 12 | 397 | Oct 13 | Strong wind (Very High) | 5A | 2 |
| Ottawa County | Relatively Moderate | 16 | 336 | Oct 19 | Strong wind (Relatively High) | 5A | 3 |
| Monroe County | Relatively Moderate | 11 | 1,672 | Oct 24 | Strong wind (Relatively High) | 5A | 2 |
| St. Clair County | Relatively Moderate | 12 | 1,184 | Oct 24 | Cold wave (Relatively High) | 5A | 3 |
| Berrien County | Relatively Moderate | 12 | 310 | Oct 19 | Strong wind (Relatively High) | 5A | 3 |
| Kalamazoo County | Relatively Moderate | 12 | 291 | Oct 18 | Hail (Relatively High) | 5A | 1 |
| Bay County | Relatively Low | 14 | 515 | Oct 17 | Winter weather (Relatively High) | 5A | 3 |
| Jackson County | Relatively Low | 10 | 41 | Oct 14 | Tornado (Relatively High) | 5A | 1 |
| Calhoun County | Relatively Low | 9 | 60 | Oct 19 | Strong wind (Relatively High) | 5A | 1 |
| Livingston County | Relatively Low | 9 | 128 | Oct 7 | Strong wind (Relatively High) | 5A | 2 |
| Tuscola County | Relatively Low | 12 | 133 | Oct 9 | Strong wind (Relatively High) | 5A | 3 |
| Midland County | Relatively Low | 14 | 547 | Oct 17 | Strong wind (Relatively High) | 5A | 3 |
| Sanilac County | Relatively Low | 12 | 14 | Oct 16 | Cold wave (Relatively High) | 5A | 2 |
| Muskegon County | Relatively Low | 14 | 131 | Oct 19 | Strong wind (Relatively High) | 5A | 3 |
| Lenawee County | Relatively Low | 6 | 60 | Oct 20 | Strong wind (Relatively High) | 5A | 1 |
| Mecosta County | Relatively Low | 13 | 64 | Oct 2 | Strong wind (Very High) | 6A | 3 |
| Marquette County | Relatively Low | 11 | 21 | Sep 29 | Hail (Relatively High) | 7 | 2 |
| Allegan County | Relatively Low | 17 | 69 | Oct 17 | Strong wind (Relatively High) | 5A | 3 |
| Eaton County | Relatively Low | 14 | 149 | Oct 13 | Strong wind (Relatively High) | 5A | 2 |
| Lapeer County | Relatively Low | 11 | 27 | Oct 14 | Strong wind (Relatively High) | 5A | 2 |
| Isabella County | Relatively Low | 11 | 37 | Oct 20 | Winter weather (Relatively High) | 6A | 3 |
| Grand Traverse County | Relatively Low | 6 | 58 | Oct 16 | Winter weather (Very High) | 6A | 3 |
| Shiawassee County | Relatively Low | 14 | 62 | Oct 10 | Strong wind (Relatively High) | 5A | 2 |
| Van Buren County | Relatively Low | 13 | 31 | Oct 17 | Hail (Relatively High) | 5A | 3 |
| Cheboygan County | Relatively Low | 8 | 36 | Sep 18 | Inland flooding (Relatively Moderate) | 6A | 3 |
| Dickinson County | Relatively Low | 5 | 6 | Sep 24 | Cold wave (Relatively High) | 6A | 2 |
| Huron County | Relatively Low | 8 | 49 | Nov 3 | Winter weather (Relatively High) | 5A | 3 |
| St. Joseph County | Relatively Low | 8 | 110 | Oct 18 | Hail (Relatively Moderate) | 5A | 1 |
| Montcalm County | Relatively Low | 12 | 9 | Sep 28 | Strong wind (Relatively High) | 5A | 2 |
| Roscommon County | Relatively Low | 7 | 3 | Sep 23 | Winter weather (Relatively High) | 6A | 3 |
| Ionia County | Relatively Low | 16 | 37 | Oct 20 | Strong wind (Relatively High) | 5A | 2 |
| Iron County | Relatively Low | 7 | 3 | Sep 9 | Cold wave (Relatively High) | 6A | 2 |
| Gratiot County | Relatively Low | 12 | 36 | Oct 13 | Strong wind (Relatively High) | 5A | 3 |
| Delta County | Relatively Low | 6 | 28 | Oct 7 | Cold wave (Relatively Moderate) | 6A | 3 |
| Branch County | Relatively Low | 6 | 33 | Oct 13 | Hail (Relatively Moderate) | 5A | 1 |
| Hillsdale County | Relatively Low | 9 | 13 | Oct 12 | Tornado (Relatively Moderate) | 5A | 1 |
| Leelanau County | Relatively Low | 5 | 20 | Oct 26 | Cold wave (Relatively High) | 6A | 2 |
| Cass County | Relatively Low | 9 | 15 | Oct 19 | Strong wind (Relatively High) | 5A | 1 |
| Clare County | Relatively Low | 9 | 8 | Oct 4 | Strong wind (Relatively High) | 6A | 3 |
| Newaygo County | Relatively Low | 13 | 153 | Oct 11 | Winter weather (Relatively High) | 6A | 3 |
| Clinton County | Relatively Low | 10 | 29 | Oct 13 | Strong wind (Relatively High) | 5A | 2 |
| Barry County | Relatively Low | 14 | 281 | Oct 19 | Strong wind (Relatively Moderate) | 5A | 2 |
| Menominee County | Relatively Low | 8 | 48 | Oct 7 | Cold wave (Relatively Moderate) | 6A | 2 |
| Gladwin County | Very Low | 12 | 31 | Oct 4 | Winter weather (Relatively Moderate) | 6A | 3 |
| Emmet County | Very Low | 7 | 8 | Sep 18 | Cold wave (Relatively Moderate) | 6A | 2 |
| Iosco County | Very Low | 11 | 81 | Oct 5 | Winter weather (Relatively Moderate) | 6A | 3 |
| Manistee County | Very Low | 8 | 29 | Oct 12 | Winter weather (Relatively High) | 6A | 3 |
| Ogemaw County | Very Low | 7 | — | Oct 4 | Hail (Relatively Moderate) | 6A | 3 |
| Wexford County | Very Low | 7 | 16 | Oct 1 | Winter weather (Relatively High) | 6A | 3 |
| Oceana County | Very Low | 13 | 30 | Oct 10 | Strong wind (Relatively High) | 6A | 3 |
| Alpena County | Very Low | 7 | 17 | Oct 17 | Cold wave (Relatively Low) | 6A | 2 |
| Chippewa County | Very Low | 7 | 6 | Oct 11 | Wildfire (Relatively Low) | 6A | 3 |
| Antrim County | Very Low | 7 | 6 | Sep 30 | Cold wave (Relatively Moderate) | 6A | 2 |
| Gogebic County | Very Low | 9 | 10 | Sep 27 | Lightning (Relatively High) | 6A | 2 |
| Mason County | Very Low | 9 | 13 | Oct 7 | Winter weather (Relatively High) | 6A | 3 |
| Houghton County | Very Low | 9 | 6 | Oct 1 | Winter weather (Relatively High) | 6A | 2 |
| Osceola County | Very Low | 14 | 66 | Oct 1 | Winter weather (Relatively High) | 6A | 3 |
| Benzie County | Very Low | 6 | 11 | Oct 26 | Winter weather (Relatively High) | 6A | 3 |
| Charlevoix County | Very Low | 8 | 10 | Oct 19 | Cold wave (Relatively Moderate) | 6A | 2 |
| Lake County | Very Low | 9 | 46 | Sep 25 | Winter weather (Relatively Moderate) | 6A | 3 |
| Presque Isle County | Very Low | 7 | 1 | Oct 17 | Lightning (Relatively Moderate) | 6A | 2 |
| Kalkaska County | Very Low | 7 | — | Oct 7 | Winter weather (Relatively High) | 6A | 3 |
| Arenac County | Very Low | 11 | 119 | Oct 10 | Winter weather (Relatively Moderate) | 6A | 3 |
| Otsego County | Very Low | 7 | — | Sep 30 | Lightning (Relatively Moderate) | 6A | 2 |
| Crawford County | Very Low | 9 | 1 | Oct 7 | Winter weather (Relatively Moderate) | 6A | 3 |
| Alcona County | Very Low | 9 | 15 | Oct 16 | Lightning (Relatively Moderate) | 6A | 2 |
| Montmorency County | Very Low | 8 | — | Sep 27 | Lightning (Relatively Moderate) | 6A | 2 |
| Oscoda County | Very Low | 8 | — | Oct 2 | Lightning (Relatively High) | 6A | 3 |
| Missaukee County | Very Low | 7 | — | Oct 1 | Winter weather (Relatively Moderate) | 6A | 3 |
| Baraga County | Very Low | 7 | 6 | Sep 22 | Cold wave (Relatively Moderate) | 6A | 2 |
| Alger County | Very Low | 5 | 7 | Oct 10 | Lightning (Relatively High) | 6A | 2 |
| Mackinac County | Very Low | 7 | 6 | Sep 30 | Cold wave (Relatively Low) | 6A | 3 |
| Schoolcraft County | Very Low | 6 | 2 | Oct 10 | Lightning (Relatively Low) | 6A | 3 |
| Ontonagon County | Very Low | 8 | 9 | Oct 1 | Winter weather (Relatively Low) | 6A | 3 |
| Luce County | Very Low | 5 | 1 | Oct 10 | Lightning (Relatively Low) | 6A | 3 |
| Keweenaw County | Very Low | 5 | — | Oct 1 | Winter weather (Relatively Low) | 7 | 2 |
Ratings are relative to other US counties, not probabilities. Counties without a link have too little public data for a full profile.
Other states
Alabama67Alaska30American Samoa3Arizona15Arkansas75California58Colorado64Connecticut9Delaware3District of Columbia1Florida67Georgia159Guam1Hawaii5Idaho44Illinois102Indiana92Iowa99Kansas105Kentucky120Louisiana64Maine16Maryland24Massachusetts14Minnesota87Mississippi82Missouri115Montana56Nebraska93Nevada17New Hampshire10New Jersey21New Mexico33New York62North Carolina100North Dakota53Northern Mariana Islands3Ohio88Oklahoma77Oregon36Pennsylvania67Puerto Rico78Rhode Island5South Carolina46South Dakota66Tennessee95Texas254Utah29Vermont14Virgin Islands3Virginia133Washington39West Virginia55Wisconsin72Wyoming23