Roscommon County, Michigan
Natural disaster risk, federal disaster history and flood insurance facts.
Roscommon County, Michigan has a relatively low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is higher than 57% of US counties. It ranks 37th of 83 counties in Michigan. The costliest hazards here are inland flooding, cold waves and tornadoes. FEMA estimates about $13 million a year in expected losses, or roughly $570 per resident. Since 1976 it has been included in 5 federal disaster or emergency declarations for natural events (2 major disasters). The most recent was in June 2026 (severe storms, tornadoes and flooding). Only 7 homes here carry federal flood insurance.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Roscommon County
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Inland flooding | 71.9 | $10M | ||
| Cold wave | 63.1 | $1M | ||
| Tornado | 47.1 | $782K | ||
| Strong wind | 55.6 | $452K | ||
| Lightning | 72.0 | $375K | ||
| Hail | 64.7 | $313K | ||
| Winter weather | 87.3 | $231K | ||
| Wildfire | 69.7 | $120K | ||
| Heat wave | 18.1 | $36K | ||
| Earthquake | 17.7 | $16K | ||
| Ice storm | 23.6 | $15K | ||
| Hurricane | 25.9 | $7K | ||
| Landslide | 38.3 | $410 |
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 very high and community resilience is relatively high in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Roscommon County. 2020s bar runs to November 2026.
By type
Most recent
Michigan also had 6 statewide declarations that did not name single counties.
Storm history since 1962
Tornado risk by county ›The National Weather Service has logged 171 storm reports in Roscommon County since 1962, with 2 deaths and 1 injury and about $52.1 million in reported damage. The strongest on record here was an F2 tornado on June 10, 1974.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Jun 10, 1974 | F2 | – | 0 / 0 |
| May 25, 1973 | F2 | – | 0 / 0 |
| Jun 27, 1995 | F1 | Htl To | 0 / 0 |
| Jun 17, 1992 | F1 | – | 0 / 0 |
| Aug 5, 1968 | F1 | – | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Jul 13, 1995 | Thunderstorm Wind | – | $50M |
| Jul 13, 1995 | Thunderstorm Wind | – | $505K |
| Jun 27, 1995 | Tornado | Htl To | $500K |
| Jun 17, 1992 | Tornado | – | $250K |
| May 18, 2020 | Flood | St Helen | $240K |
| Jul 4, 2019 | Thunderstorm Wind | Houghton Lake | $70K |
Source: NOAA Storm Events Database, county-based reports through Mar 31, 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.
Flood insurance in Roscommon County
Check your address flood zone ›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.
Homes in Roscommon County
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; 23,213 housing units.
Compare in Michigan
All 83 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Wayne County | Inland flooding | |
| Oakland County | Inland flooding | |
| Macomb County | Inland flooding | |
| Kent County | Inland flooding | |
| Genesee County | Inland flooding | |
| Washtenaw County | Inland flooding | |
| Ottawa County | Inland flooding | |
| Ingham County | Inland flooding |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Clare County | 7 | |
| Gladwin County | 10 | |
| Ogemaw County | 5 | |
| Kalkaska County | 5 | |
| Missaukee County | 5 | |
| Crawford County | 7 | |
| Oscoda County | 6 |
Common questions about Roscommon County
What is the biggest natural hazard in Roscommon County?
Inland flooding has the highest expected yearly losses in Roscommon County, about $9.9 million a year in FEMA's estimate. Cold wave is second at $1.1 million.
How many federal disasters has Roscommon County had?
Roscommon County has been included in 5 federal disaster or emergency declarations for natural events since 1976, including 2 major disasters. The most recent was Severe Storms, Tornadoes, and Flooding in June 2026.
Is Roscommon County a high-risk place to live?
Its overall rating is Relatively Low, 37th highest of 83 in Michigan. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Roscommon County?
Standard home insurance does not cover flooding. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Roscommon County had?
NOAA records list 9 tornadoes in Roscommon County since 1950. The strongest was an F2 tornado on June 10, 1974. The weather service has also logged 56 hail reports and 2 floods here.
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.