Hillsdale County, Michigan: hazard risk
FEMA rates Hillsdale County's overall risk Relatively Low (score 50.0 of 100, higher than 49% of rated U.S. counties). Its storm record holds 427 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 Moderate | 78.5 | $3.1M |
| Lightning | Relatively Moderate | 75.1 | $502K |
| Hail | Relatively Moderate | 73.1 | $538K |
| Strong Wind | Relatively Moderate | 62.7 | $656K |
| Ice Storm | Relatively Moderate | 61.2 | $118K |
| Cold Wave | Relatively Low | 64.0 | $1.4M |
| Riverine Flooding | Relatively Low | 56.5 | $6.7M |
| Heat Wave | Relatively Low | 38.9 | $181K |
| Winter Weather | Relatively Low | 38.6 | $36K |
| Drought | Relatively Low | 35.4 | $36K |
| Landslide | Very Low | 60.3 | $2K |
| Earthquake | Very Low | 50.5 | $236K |
| Hurricane | Very Low | 33.2 | $15K |
| Wildfire | Very Low | 18.0 | $5K |
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 | 234 | 0 | $1.1M | 22nd of 83 | 1143rd of 3,080 |
| Winter storms | 80 | 0 | – | 46th of 83 | 1115th of 3,077 |
| Hail | 62 | 0 | $3.8M | 35th of 83 | 2125th of 3,080 |
| Tornadoes | 26 | 8 | $312M | 20th of 83 | 1290th of 3,080 |
| High wind and dust storms | 13 | 0 | $3K | 36th of 83 | 1716th of 3,080 |
| Floods | 6 | 0 | $282K | 63rd of 83 | 2788th of 3,080 |
| Extreme cold | 5 | 0 | – | 56th of 83 | 1934th of 3,076 |
| Lightning | 1 | 1 | – | 59th of 83 | 2025th 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 Hillsdale County record: every hazard by year and month, the deadliest events and FEMA's declarations.