Emmet County, Michigan: hazard risk
FEMA rates Emmet County's overall risk Very Low (score 38.1 of 100, higher than 38% of rated U.S. counties). Its storm record holds 253 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 | 80.4 | $4.0M |
| Landslide | Relatively Low | 76.4 | $11K |
| Riverine Flooding | Relatively Low | 53.1 | $7.7M |
| Lightning | Relatively Low | 38.8 | $165K |
| Tornado | Relatively Low | 28.1 | $481K |
| Coastal Flooding | Very Low | 31.4 | $6K |
| Hail | Very Low | 31.2 | $136K |
| Winter Weather | Very Low | 21.2 | $20K |
| Heat Wave | Very Low | 20.4 | $68K |
| Wildfire | Very Low | 16.2 | $6K |
| Ice Storm | Very Low | 14.9 | $10K |
| Hurricane | Very Low | 12.8 | $3K |
| Strong Wind | Very Low | 12.5 | $105K |
| Earthquake | Very Low | 5.7 | $6K |
| 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 | 136 | 0 | $263K | 14th of 83 | 361st of 3,077 |
| Severe thunderstorm wind | 57 | 0 | $498K | 55th of 83 | 2313th of 3,080 |
| Hail | 18 | 0 | $181K | 76th of 83 | 2654th of 3,080 |
| High wind and dust storms | 16 | 0 | $327K | 21st of 83 | 1261st of 3,080 |
| Extreme cold | 9 | 0 | $6.4M | 29th of 83 | 1170th of 3,076 |
| Floods | 5 | 0 | $297K | 59th of 83 | 2700th of 3,080 |
| Tornadoes | 5 | 0 | $355K | 57th of 83 | 2389th of 3,080 |
| Drought | 2 | 0 | – | 3rd of 83 | 2247th of 3,063 |
| Heat | 2 | 0 | – | 32nd of 83 | 1952nd of 3,076 |
| Rip currents and high surf | 1 | 1 | – | 10th of 83 | 175th of 2,080 |
| Lightning | 1 | 0 | $5K | 44th of 83 | 1870th 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 Emmet County record: every hazard by year and month, the deadliest events and FEMA's declarations.