Gladwin County, Michigan: hazard risk
FEMA rates Gladwin County's overall risk Very Low (score 40.3 of 100, higher than 40% of rated U.S. counties). Its storm record holds 208 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 |
|---|---|---|---|
| Winter Weather | Relatively Moderate | 82.1 | $170K |
| Strong Wind | Relatively Moderate | 68.3 | $680K |
| Cold Wave | Relatively Moderate | 67.2 | $1.4M |
| Lightning | Relatively Moderate | 65.8 | $312K |
| Hail | Relatively Low | 54.3 | $232K |
| Riverine Flooding | Relatively Low | 53.9 | $5.5M |
| Tornado | Relatively Low | 49.0 | $883K |
| Ice Storm | Relatively Low | 35.1 | $31K |
| Landslide | Very Low | 41.0 | $516 |
| Wildfire | Very Low | 38.9 | $18K |
| Earthquake | Very Low | 22.7 | $26K |
| Hurricane | Very Low | 22.5 | $6K |
| Heat Wave | Very Low | 18.5 | $39K |
| 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 | 80 | 0 | $701K | 40th of 83 | 2020th of 3,080 |
| Winter storms | 50 | 0 | $105K | 72nd of 83 | 1529th of 3,077 |
| Hail | 41 | 0 | – | 37th of 83 | 2175th of 3,080 |
| Floods | 14 | 0 | $20M | 30th of 83 | 2282nd of 3,080 |
| Tornadoes | 10 | 0 | $914K | 41st of 83 | 2035th of 3,080 |
| High wind and dust storms | 6 | 0 | $65K | 70th of 83 | 2225th of 3,080 |
| Extreme cold | 4 | 0 | – | 57th of 83 | 1973rd of 3,076 |
| Heat | 2 | 0 | – | 34th of 83 | 1983rd of 3,076 |
| Lightning | 1 | 1 | – | 46th of 83 | 1908th 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 Gladwin County record: every hazard by year and month, the deadliest events and FEMA's declarations.