Arenac County, Michigan: hazard risk
FEMA rates Arenac County's overall risk Very Low (score 20.3 of 100, higher than 20% of rated U.S. counties). Its storm record holds 197 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 |
|---|---|---|---|
| Winter Weather | Relatively Moderate | 69.1 | $101K |
| Cold Wave | Relatively Low | 55.2 | $929K |
| Lightning | Relatively Low | 53.3 | $213K |
| Strong Wind | Relatively Low | 48.0 | $419K |
| Hail | Relatively Low | 42.8 | $159K |
| Riverine Flooding | Relatively Low | 37.4 | $3.5M |
| Tornado | Relatively Low | 31.9 | $460K |
| Coastal Flooding | Very Low | 39.2 | $12K |
| Wildfire | Very Low | 35.1 | $16K |
| Hurricane | Very Low | 29.7 | $11K |
| Landslide | Very Low | 29.5 | $239 |
| Ice Storm | Very Low | 26.7 | $21K |
| Earthquake | Very Low | 17.8 | $19K |
| Heat Wave | Very Low | 13.8 | $25K |
| 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 | 55 | 0 | $653K | 41st of 83 | 2041st of 3,080 |
| Winter storms | 54 | 0 | $78K | 38th of 83 | 1002nd of 3,077 |
| Hail | 45 | 0 | $12K | 21st of 83 | 1847th of 3,080 |
| Floods | 14 | 0 | $5.2M | 15th of 83 | 1864th of 3,080 |
| Extreme cold | 9 | 0 | – | 22nd of 83 | 971st of 3,076 |
| Tornadoes | 9 | 0 | $1.6M | 34th of 83 | 1935th of 3,080 |
| High wind and dust storms | 7 | 0 | $23K | 72nd of 83 | 2285th of 3,080 |
| Heat | 2 | 0 | – | 26th of 83 | 1833rd of 3,076 |
| Lightning | 1 | 0 | $677 | 41st of 83 | 1677th 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 Arenac County record: every hazard by year and month, the deadliest events and FEMA's declarations.