Charlevoix County, Michigan: hazard risk
FEMA rates Charlevoix County's overall risk Very Low (score 22.3 of 100, higher than 22% of rated U.S. counties). Its storm record holds 272 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 Moderate | 78.3 | $3.3M |
| Landslide | Relatively Low | 68.9 | $5K |
| Lightning | Relatively Low | 46.7 | $215K |
| Strong Wind | Relatively Low | 21.1 | $198K |
| Riverine Flooding | Very Low | 32.3 | $3.9M |
| Hail | Very Low | 30.9 | $129K |
| Coastal Flooding | Very Low | 26.4 | $3K |
| Tornado | Very Low | 20.7 | $259K |
| Heat Wave | Very Low | 17.8 | $51K |
| Hurricane | Very Low | 17.7 | $5K |
| Wildfire | Very Low | 16.2 | $6K |
| Winter Weather | Very Low | 16.0 | $14K |
| Ice Storm | Very Low | 11.7 | $7K |
| Earthquake | Very Low | 4.4 | $4K |
| 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. |
|---|---|---|---|---|---|
| Winter storms | 164 | 0 | $385K | 7th of 83 | 210th of 3,077 |
| Severe thunderstorm wind | 41 | 0 | $348K | 58th of 83 | 2359th of 3,080 |
| Hail | 34 | 0 | $55K | 42nd of 83 | 2276th of 3,080 |
| High wind and dust storms | 12 | 0 | $141K | 27th of 83 | 1447th of 3,080 |
| Extreme cold | 8 | 0 | $9.6M | 32nd of 83 | 1286th of 3,076 |
| Floods | 4 | 0 | $272K | 61st of 83 | 2742nd of 3,080 |
| Tornadoes | 4 | 0 | $29K | 63rd of 83 | 2441st of 3,080 |
| Drought | 2 | 0 | – | 1st of 83 | 2212th of 3,063 |
| Heat | 2 | 0 | – | 27th of 83 | 1898th of 3,076 |
| Lightning | 1 | 0 | – | 43rd of 83 | 1776th 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 Charlevoix County record: every hazard by year and month, the deadliest events and FEMA's declarations.