Michigan natural disaster risk
Ratings for all 83 counties, the federal disaster record and flood insurance across the state.
34major disasters since 1953 (40th most)
$2.9Bexpected losses a year
0.4%of homes with flood insurance
Michigan has had 34 major federal disaster declarations for natural events since 1953. FEMA expects about $2.9 billion a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 74 of its 83 counties, followed by cold wave in 8. None is rated Very High overall. About 0.4% of homes carry federal flood insurance, and the program has paid $149 million on 14,792 claims here since 1978.
0counties
3counties
10counties
37counties
Top hazards
Inland floodingtop risk in 74 counties
Cold wavetop risk in 8 counties
Strong windtop risk in 1 counties
Largest counties
Wayne County
1,792,549 people
Inland floodingOakland County
1,274,114 people
Inland floodingMacomb County
880,347 people
Inland floodingKent County
657,870 people
Inland floodingGenesee County
406,019 people
Inland floodingWashtenaw County
372,064 people
Inland floodingOttawa County
296,165 people
Inland floodingIngham County
284,838 people
Inland floodingKalamazoo County
261,632 people
Inland floodingLivingston County
193,558 people
Inland floodingSaginaw County
190,067 people
Inland floodingMuskegon County
175,775 people
Inland floodingAll 83 counties
| Name | People | Overall risk | Top hazard | Declarations | Homes insured |
|---|---|---|---|---|---|
| Alcona County | 10,159 | Inland flooding | 7 | 0.2% | |
| Alger County | 8,834 | Inland flooding | 3 | 0.2% | |
| Allegan County | 120,243 | Inland flooding | 15 | 0.2% | |
| Alpena County | 28,892 | Inland flooding | 5 | 0.3% | |
| Antrim County | 23,425 | Inland flooding | 5 | 0.1% | |
| Arenac County | 14,991 | Inland flooding | 9 | 1% | |
| Baraga County | 8,148 | Cold wave | 5 | 0.1% | |
| Barry County | 62,414 | Inland flooding | 12 | 0.5% | |
| Bay County | 103,848 | Inland flooding | 12 | 0.9% | |
| Benzie County | 17,953 | Inland flooding | 4 | 0.2% | |
| Berrien County | 154,234 | Inland flooding | 10 | 0.4% | |
| Branch County | 44,842 | Inland flooding | 4 | 0.4% | |
| Calhoun County | 134,279 | Inland flooding | 6 | 0.2% | |
| Cass County | 51,549 | Inland flooding | 7 | 0.2% | |
| Charlevoix County | 26,039 | Inland flooding | 6 | 0.2% | |
| Cheboygan County | 25,564 | Inland flooding | 6 | 0.3% | |
| Chippewa County | 36,764 | Inland flooding | 5 | 0.4% | |
| Clare County | 30,835 | Inland flooding | 7 | 0.2% | |
| Clinton County | 79,047 | Inland flooding | 8 | 0.3% | |
| Crawford County | 12,919 | Inland flooding | 7 | 0.2% | |
| Delta County | 36,797 | Inland flooding | 4 | 0.2% | |
| Dickinson County | 25,935 | Cold wave | 3 | 0.2% | |
| Eaton County | 109,033 | Inland flooding | 11 | 0.5% | |
| Emmet County | 34,094 | Inland flooding | 5 | 0.3% | |
| Genesee County | 406,019 | Inland flooding | 10 | 0.2% | |
| Gladwin County | 25,371 | Inland flooding | 10 | 0.2% | |
| Gogebic County | 14,378 | Inland flooding | 7 | 0.1% | |
| Grand Traverse County | 95,178 | Cold wave | 4 | 0.3% | |
| Gratiot County | 41,742 | Inland flooding | 10 | 0.4% | |
| Hillsdale County | 45,730 | Inland flooding | 6 | 0.1% | |
| Houghton County | 37,342 | Inland flooding | 7 | 0.1% | |
| Huron County | 31,395 | Inland flooding | 6 | 0.9% | |
| Ingham County | 284,838 | Inland flooding | 9 | 0.7% | |
| Ionia County | 66,764 | Inland flooding | 14 | 0.3% | |
| Iosco County | 25,202 | Inland flooding | 9 | 1% | |
| Iron County | 11,625 | Cold wave | 5 | 0% | |
| Isabella County | 64,345 | Inland flooding | 9 | 0.5% | |
| Jackson County | 160,309 | Inland flooding | 8 | 0.2% | |
| Kalamazoo County | 261,632 | Inland flooding | 9 | 0.2% | |
| Kalkaska County | 17,909 | Inland flooding | 5 | 0% | |
| Kent County | 657,870 | Inland flooding | 11 | 0.3% | |
| Keweenaw County | 2,043 | Inland flooding | 3 | 0% | |
| Lake County | 12,084 | Inland flooding | 7 | 0.1% | |
| Lapeer County | 88,578 | Inland flooding | 8 | 0.1% | |
| Leelanau County | 22,255 | Cold wave | 3 | 0.7% | |
| Lenawee County | 99,376 | Inland flooding | 4 | 0.1% | |
| Livingston County | 193,558 | Inland flooding | 6 | 0.3% | |
| Luce County | 5,339 | Inland flooding | 3 | 0% | |
| Mackinac County | 10,817 | Inland flooding | 5 | 0.4% | |
| Macomb County | 880,347 | Inland flooding | 15 | 0.5% | |
| Manistee County | 25,012 | Inland flooding | 6 | 0.3% | |
| Marquette County | 65,947 | Cold wave | 9 | 0.1% | |
| Mason County | 29,050 | Inland flooding | 7 | 0.3% | |
| Mecosta County | 39,663 | Strong wind | 11 | 0.3% | |
| Menominee County | 23,484 | Cold wave | 6 | 0.5% | |
| Midland County | 83,456 | Inland flooding | 12 | 0.9% | |
| Missaukee County | 15,048 | Inland flooding | 5 | 0% | |
| Monroe County | 154,767 | Inland flooding | 8 | 1.4% | |
| Montcalm County | 66,606 | Inland flooding | 10 | 0% | |
| Montmorency County | 9,129 | Inland flooding | 6 | 0% | |
| Muskegon County | 175,775 | Inland flooding | 12 | 0.1% | |
| Newaygo County | 49,957 | Inland flooding | 11 | 0.4% | |
| Oakland County | 1,274,114 | Inland flooding | 12 | 0.3% | |
| Oceana County | 26,621 | Inland flooding | 11 | 0.3% | |
| Ogemaw County | 20,747 | Inland flooding | 5 | 0% | |
| Ontonagon County | 5,803 | Inland flooding | 6 | 0.2% | |
| Osceola County | 22,885 | Inland flooding | 12 | 0.4% | |
| Oscoda County | 8,212 | Inland flooding | 6 | 0% | |
| Otsego County | 25,061 | Inland flooding | 5 | 0% | |
| Ottawa County | 296,165 | Inland flooding | 14 | 0.3% | |
| Presque Isle County | 12,968 | Inland flooding | 5 | 0% | |
| Roscommon County | 23,456 | Inland flooding | 5 | 0% | |
| Saginaw County | 190,067 | Inland flooding | 16 | 1.1% | |
| Sanilac County | 40,597 | Cold wave | 10 | 0.1% | |
| Schoolcraft County | 8,040 | Inland flooding | 4 | 0% | |
| Shiawassee County | 68,081 | Inland flooding | 12 | 1.1% | |
| St. Clair County | 160,353 | Inland flooding | 9 | 2% | |
| St. Joseph County | 60,908 | Inland flooding | 6 | 0.3% | |
| Tuscola County | 53,321 | Inland flooding | 10 | 0.4% | |
| Van Buren County | 75,550 | Inland flooding | 11 | 0.2% | |
| Washtenaw County | 372,064 | Inland flooding | 9 | 0.4% | |
| Wayne County | 1,792,549 | Inland flooding | 14 | 0.5% | |
| Wexford County | 33,652 | Inland flooding | 5 | 0.2% |
Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.