Otsego County, Michigan

Otsego County, Michigan has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 82% of US counties. It ranks 71st of 83 counties in Michigan. The costliest hazards here are inland flooding, cold waves and hail. FEMA estimates about $7.6 million a year in expected losses, or roughly $304 per resident. Since 1977 it has been included in 5 federal disaster or emergency declarations for natural events (1 major disaster). The most recent was in July 2025 (severe winter storm). No homes here carry federal flood insurance.

FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.

Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively low and community resilience is relatively high in FEMA's measures.

The National Weather Service has logged 154 storm reports in Otsego County since 1963, with 2 deaths and 45 injuries and about $53.2 million in reported damage. The strongest on record here was an EF3 tornado on May 20, 2022 near Elmira.

Source: NOAA Storm Events Database, county-based reports through Jul 1, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.

National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.

Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 14,882 housing units.

Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.