Clare County, Michigan: hazard risk
FEMA rates Clare County's overall risk Relatively Low (score 47.5 of 100, higher than 47% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by strong wind, winter weather. Its storm record holds 201 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 | 94.8 | $1.9M |
| Winter Weather | Relatively High | 92.0 | $293K |
| Cold Wave | Relatively Moderate | 69.9 | $1.3M |
| Lightning | Relatively Moderate | 68.2 | $292K |
| Landslide | Relatively Low | 64.8 | $2K |
| Hail | Relatively Low | 61.6 | $253K |
| Tornado | Relatively Low | 58.0 | $1.0M |
| Riverine Flooding | Relatively Low | 50.1 | $4.2M |
| Ice Storm | Relatively Low | 42.2 | $37K |
| Wildfire | Very Low | 42.7 | $19K |
| Heat Wave | Very Low | 26.0 | $66K |
| Earthquake | Very Low | 23.8 | $25K |
| Hurricane | Very Low | 21.5 | $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. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 70 | 0 | $1.5M | 47th of 83 | 2197th of 3,080 |
| Winter storms | 65 | 0 | $1.2M | 60th of 83 | 1335th of 3,077 |
| Hail | 39 | 0 | $1.3M | 50th of 83 | 2316th of 3,080 |
| Tornadoes | 10 | 0 | $2.6M | 45th of 83 | 2116th of 3,080 |
| Floods | 8 | 0 | $6.1M | 54th of 83 | 2559th of 3,080 |
| High wind and dust storms | 8 | 2 | $6.2M | 61st of 83 | 2109th of 3,080 |
| Lightning | 1 | 0 | $9K | 53rd of 83 | 1982nd 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 Clare County record: every hazard by year and month, the deadliest events and FEMA's declarations.