Genesee County, Michigan: hazard risk
FEMA rates Genesee County's overall risk Relatively Moderate (score 92.2 of 100, higher than 92% of rated U.S. counties); 5 of its 14 hazards are rated Relatively High or Very High, led by tornado, cold wave, strong wind. Its storm record holds 914 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 |
|---|---|---|---|
| Tornado | Relatively High | 98.5 | $29M |
| Cold Wave | Relatively High | 98.3 | $21M |
| Strong Wind | Relatively High | 97.9 | $5.1M |
| Ice Storm | Relatively High | 89.6 | $862K |
| Lightning | Relatively High | 89.5 | $1.1M |
| Riverine Flooding | Relatively Moderate | 92.6 | $51M |
| Hail | Relatively Moderate | 91.1 | $1.9M |
| Heat Wave | Relatively Moderate | 85.6 | $2.1M |
| Earthquake | Relatively Low | 70.8 | $815K |
| Winter Weather | Relatively Low | 59.0 | $85K |
| Landslide | Very Low | 52.6 | $2K |
| Hurricane | Very Low | 45.3 | $46K |
| Wildfire | Very Low | 25.9 | $11K |
| 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 | 459 | 0 | $14M | 5th of 83 | 503rd of 3,080 |
| Hail | 215 | 0 | $29M | 4th of 83 | 805th of 3,080 |
| Winter storms | 72 | 2 | $8.0M | 64th of 83 | 1367th of 3,077 |
| Tornadoes | 51 | 120 | $633M | 2nd of 83 | 413th of 3,080 |
| High wind and dust storms | 35 | 0 | $48M | 10th of 83 | 790th of 3,080 |
| Floods | 34 | 0 | $10M | 7th of 83 | 1647th of 3,080 |
| Extreme cold | 17 | 0 | $1.7M | 19th of 83 | 909th of 3,076 |
| Lightning | 15 | 1 | $324K | 5th of 83 | 301st of 3,080 |
| Heat | 14 | 0 | – | 8th of 83 | 946th of 3,076 |
| Drought | 2 | 0 | – | 11th of 83 | 2310th of 3,063 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Genesee County record: every hazard by year and month, the deadliest events and FEMA's declarations.