Cass County, Michigan: hazard risk
FEMA rates Cass County's overall risk Relatively Low (score 47.7 of 100, higher than 47% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 477 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 |
|---|---|---|---|
| Strong Wind | Relatively High | 85.1 | $1.4M |
| Hail | Relatively Moderate | 79.3 | $762K |
| Cold Wave | Relatively Moderate | 67.8 | $1.7M |
| Landslide | Relatively Low | 65.8 | $4K |
| Tornado | Relatively Low | 64.5 | $1.9M |
| Riverine Flooding | Relatively Low | 55.6 | $7.1M |
| Winter Weather | Relatively Low | 51.3 | $60K |
| Ice Storm | Relatively Low | 42.4 | $54K |
| Heat Wave | Relatively Low | 42.2 | $231K |
| Lightning | Relatively Low | 33.4 | $112K |
| Earthquake | Very Low | 51.3 | $267K |
| Hurricane | Very Low | 31.8 | $15K |
| Drought | Very Low | 23.1 | $7K |
| Wildfire | Very Low | 19.0 | $6K |
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 | 221 | 1 | $2.3M | 8th of 83 | 590th of 3,080 |
| Winter storms | 141 | 1 | $43K | 15th of 83 | 377th of 3,077 |
| Hail | 57 | 0 | $23K | 16th of 83 | 1793rd of 3,080 |
| Tornadoes | 21 | 1 | $18M | 19th of 83 | 1212th of 3,080 |
| Floods | 15 | 0 | $1.3M | 18th of 83 | 2067th of 3,080 |
| High wind and dust storms | 14 | 0 | $1K | 31st of 83 | 1522nd of 3,080 |
| Extreme cold | 6 | 0 | $5.1M | 42nd of 83 | 1603rd of 3,076 |
| Lightning | 1 | 0 | $470K | 45th of 83 | 1893rd 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 Cass County record: every hazard by year and month, the deadliest events and FEMA's declarations.