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

Low70

Moderate10

Elevated3

High0

Dominant hazards

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

Winter weather — 28 counties
Tornado — 11 counties
Flooding — 4 counties
Extreme heat — 2 counties

Highest-risk counties

County	FEMA composite	Score
Wayne County	Relatively High	99
Oakland County	Relatively High	98
Macomb County	Relatively High	97
Genesee County	Relatively Moderate	92
Kent County	Relatively Moderate	92
Saginaw County	Relatively Moderate	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 2026-07-08