Chippewa County, Michigan: hazard risk
FEMA rates Chippewa County's overall risk Very Low (score 26.3 of 100, higher than 26% of rated U.S. counties). Its storm record holds 343 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 |
|---|---|---|---|
| Wildfire | Relatively Low | 75.4 | $242K |
| Cold Wave | Relatively Low | 60.2 | $1.3M |
| Riverine Flooding | Relatively Low | 49.9 | $6.0M |
| Coastal Flooding | Relatively Low | 44.2 | $39K |
| Winter Weather | Relatively Low | 37.5 | $37K |
| Lightning | Relatively Low | 36.5 | $127K |
| Landslide | Very Low | 50.9 | $1K |
| Hurricane | Very Low | 16.5 | $4K |
| Earthquake | Very Low | 13.7 | $13K |
| Hail | Very Low | 10.6 | $31K |
| Heat Wave | Very Low | 8.1 | $11K |
| Ice Storm | Very Low | 7.7 | $3K |
| Strong Wind | Very Low | 7.5 | $49K |
| Tornado | Very Low | 7.3 | $34K |
| 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 | 186 | 0 | $237K | 73rd of 83 | 1544th of 3,077 |
| Hail | 54 | 0 | – | 78th of 83 | 2673rd of 3,080 |
| Severe thunderstorm wind | 49 | 0 | $205K | 82nd of 83 | 2732nd of 3,080 |
| Extreme cold | 16 | 0 | – | 60th of 83 | 2066th of 3,076 |
| High wind and dust storms | 15 | 0 | $388K | 77th of 83 | 2453rd of 3,080 |
| Floods | 8 | 0 | $186K | 73rd of 83 | 2908th of 3,080 |
| Tornadoes | 7 | 0 | $1.3M | 74th of 83 | 2652nd of 3,080 |
| Drought | 3 | 0 | – | 26th of 83 | 2399th of 3,063 |
| Rip currents and high surf | 2 | 0 | – | 23rd of 83 | 243rd of 2,080 |
| Heat | 1 | 0 | – | 59th of 83 | 2427th of 3,076 |
| Lightning | 1 | 0 | $4K | 68th of 83 | 2321st 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 Chippewa County record: every hazard by year and month, the deadliest events and FEMA's declarations.