Gratiot County, Michigan: hazard risk
FEMA rates Gratiot County's overall risk Relatively Low (score 54.1 of 100, higher than 54% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by strong wind, winter weather. Its storm record holds 242 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 |
|---|---|---|---|
| Strong Wind | Relatively High | 90.5 | $2.0M |
| Winter Weather | Relatively High | 89.7 | $372K |
| Tornado | Relatively Moderate | 73.0 | $2.6M |
| Cold Wave | Relatively Moderate | 67.2 | $1.8M |
| Riverine Flooding | Relatively Low | 63.0 | $9.2M |
| Hail | Relatively Low | 59.0 | $340K |
| Ice Storm | Relatively Low | 52.0 | $87K |
| Lightning | Relatively Low | 24.4 | $79K |
| Hurricane | Very Low | 39.0 | $26K |
| Landslide | Very Low | 33.0 | $360 |
| Earthquake | Very Low | 32.7 | $89K |
| Heat Wave | Very Low | 31.5 | $137K |
| Wildfire | Very Low | 6.6 | $2K |
| 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 | 102 | 0 | $2.7M | 37th of 83 | 1879th of 3,080 |
| Winter storms | 61 | 0 | $2.1M | 67th of 83 | 1425th of 3,077 |
| Hail | 42 | 0 | $726K | 44th of 83 | 2293rd of 3,080 |
| Tornadoes | 15 | 2 | $11M | 46th of 83 | 2121st of 3,080 |
| Floods | 12 | 0 | $6.6M | 39th of 83 | 2421st of 3,080 |
| High wind and dust storms | 8 | 0 | $16M | 62nd of 83 | 2113th of 3,080 |
| Heat | 1 | 0 | – | 54th of 83 | 2227th of 3,076 |
| Heavy rain | 1 | 0 | – | 18th of 83 | 1986th 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 Gratiot County record: every hazard by year and month, the deadliest events and FEMA's declarations.