Dickinson County, Michigan: hazard risk
FEMA rates Dickinson County's overall risk Relatively Low (score 59.3 of 100, higher than 59% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by cold wave. Its storm record holds 503 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 High | 96.3 | $14M |
| Hail | Relatively Moderate | 80.3 | $892K |
| Lightning | Relatively Moderate | 56.6 | $298K |
| Winter Weather | Relatively Low | 52.2 | $69K |
| Riverine Flooding | Relatively Low | 38.7 | $4.6M |
| Strong Wind | Relatively Low | 24.7 | $234K |
| Wildfire | Very Low | 27.8 | $12K |
| Tornado | Very Low | 25.8 | $385K |
| Landslide | Very Low | 25.3 | $195 |
| Ice Storm | Very Low | 20.0 | $16K |
| Drought | Very Low | 19.9 | $4K |
| Heat Wave | Very Low | 13.0 | $29K |
| Earthquake | Very Low | 2.0 | $2K |
| 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 | 175 | 7 | $278K | 25th of 83 | 566th of 3,077 |
| Severe thunderstorm wind | 117 | 0 | $1.6M | 54th of 83 | 2308th of 3,080 |
| Hail | 90 | 0 | $386K | 31st of 83 | 2051st of 3,080 |
| Extreme cold | 52 | 0 | – | 1st of 83 | 314th of 3,076 |
| Floods | 17 | 0 | $462K | 40th of 83 | 2449th of 3,080 |
| High wind and dust storms | 15 | 0 | $146K | 43rd of 83 | 1879th of 3,080 |
| Heavy rain | 12 | 0 | – | 3rd of 83 | 588th of 3,080 |
| Tornadoes | 9 | 0 | $12M | 67th of 83 | 2502nd of 3,080 |
| Heat | 6 | 0 | – | 18th of 83 | 1632nd of 3,076 |
| Lightning | 3 | 0 | $251K | 30th of 83 | 1426th 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 Dickinson County record: every hazard by year and month, the deadliest events and FEMA's declarations.