Delta County, Michigan: hazard risk
FEMA rates Delta County's overall risk Relatively Low (score 53.1 of 100, higher than 53% of rated U.S. counties). Its storm record holds 575 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 | 87.8 | $5.0M |
| Hail | Relatively Moderate | 83.2 | $885K |
| Lightning | Relatively Moderate | 64.4 | $339K |
| Riverine Flooding | Relatively Low | 60.4 | $7.7M |
| Strong Wind | Relatively Low | 39.1 | $340K |
| Winter Weather | Relatively Low | 27.2 | $22K |
| Landslide | Very Low | 51.9 | $1K |
| Wildfire | Very Low | 49.7 | $39K |
| Coastal Flooding | Very Low | 36.6 | $8K |
| Tornado | Very Low | 24.2 | $288K |
| Drought | Very Low | 21.5 | $5K |
| Ice Storm | Very Low | 16.1 | $9K |
| Heat Wave | Very Low | 12.8 | $24K |
| Earthquake | Very Low | 6.7 | $5K |
| Hurricane | 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 | 233 | 3 | $128K | 26th of 83 | 705th of 3,077 |
| Severe thunderstorm wind | 126 | 0 | $5.9M | 71st of 83 | 2508th of 3,080 |
| Hail | 89 | 0 | $25K | 68th of 83 | 2516th of 3,080 |
| Extreme cold | 43 | 1 | – | 8th of 83 | 704th of 3,076 |
| Heavy rain | 23 | 0 | – | 2nd of 83 | 570th of 3,080 |
| Floods | 15 | 0 | $2.3M | 58th of 83 | 2685th of 3,080 |
| High wind and dust storms | 13 | 0 | $4.0M | 74th of 83 | 2324th of 3,080 |
| Tornadoes | 12 | 0 | $7.7M | 60th of 83 | 2406th of 3,080 |
| Heat | 4 | 0 | – | 48th of 83 | 2050th of 3,076 |
| Lightning | 3 | 0 | $243K | 42nd of 83 | 1725th of 3,080 |
| Rip currents and high surf | 1 | 1 | – | 20th of 83 | 235th of 2,080 |
| Wildfires | 1 | 0 | $25K | 15th of 83 | 1174th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Delta County record: every hazard by year and month, the deadliest events and FEMA's declarations.