Alpena County, Michigan: hazard risk
FEMA rates Alpena County's overall risk Very Low (score 28.3 of 100, higher than 28% of rated U.S. counties). Its storm record holds 263 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Cold Wave | Relatively Low | 62.8 | $1.2M |
| Riverine Flooding | Relatively Low | 51.0 | $5.2M |
| Lightning | Relatively Low | 41.8 | $131K |
| Coastal Flooding | Very Low | 36.0 | $7K |
| Hail | Very Low | 27.9 | $82K |
| Hurricane | Very Low | 26.1 | $8K |
| Landslide | Very Low | 25.6 | $153 |
| Tornado | Very Low | 24.9 | $274K |
| Heat Wave | Very Low | 24.6 | $70K |
| Earthquake | Very Low | 16.2 | $14K |
| Wildfire | Very Low | 15.6 | $4K |
| Winter Weather | Very Low | 15.3 | $9K |
| Ice Storm | Very Low | 15.2 | $7K |
| Strong Wind | Very Low | 14.3 | $88K |
| Drought | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 92 | 0 | $518K | 44th of 83 | 2136th of 3,080 |
| Winter storms | 86 | 0 | $143K | 39th of 83 | 1003rd of 3,077 |
| Hail | 49 | 0 | $123K | 45th of 83 | 2298th of 3,080 |
| Tornadoes | 14 | 0 | $1.1M | 38th of 83 | 1987th of 3,080 |
| High wind and dust storms | 10 | 0 | $97K | 48th of 83 | 1925th of 3,080 |
| Extreme cold | 6 | 0 | – | 47th of 83 | 1722nd of 3,076 |
| Floods | 2 | 0 | $9K | 78th of 83 | 2974th of 3,080 |
| Heat | 2 | 0 | – | 47th of 83 | 2034th of 3,076 |
| Lightning | 1 | 0 | – | 56th of 83 | 1995th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Alpena County record: every hazard by year and month, the deadliest events and FEMA's declarations.