STATE RISK ROLL-UP

Michigan

Across 83 counties, FEMA rates 3 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Bajo70

Moderado10

Elevado3

Alto0

Dominant hazards

The hazards most often rated elevated or higher across Michigan's counties:

Vientos fuertes — 36 counties
Clima invernal — 28 counties
Tornado — 11 counties
Tormenta de hielo — 10 counties

Highest-risk counties

County	FEMA composite	Score
Wayne County	Relativamente alto	99
Oakland County	Relativamente alto	98
Macomb County	Relativamente alto	97
Genesee County	Relativamente moderado	92
Kent County	Relativamente moderado	92
Saginaw County	Relativamente moderado	89

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-10