Lake County, Michigan: hazard risk
FEMA rates Lake County's overall risk Very Low (score 22.0 of 100, higher than 22% of rated U.S. counties). Its storm record holds 182 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 | 84.0 | $167K |
| Strong Wind | Relatively Moderate | 79.2 | $819K |
| Landslide | Relatively Low | 69.2 | $4K |
| Riverine Flooding | Relatively Low | 40.6 | $3.2M |
| Lightning | Relatively Low | 39.8 | $102K |
| Cold Wave | Relatively Low | 37.4 | $382K |
| Wildfire | Very Low | 43.5 | $21K |
| Tornado | Very Low | 23.7 | $213K |
| Heat Wave | Very Low | 22.0 | $47K |
| Ice Storm | Very Low | 21.8 | $12K |
| Hurricane | Very Low | 14.5 | $2K |
| Earthquake | Very Low | 12.5 | $8K |
| Hail | Very Low | 9.4 | $18K |
| 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 | 93 | 0 | $999K | 34th of 83 | 908th of 3,077 |
| Severe thunderstorm wind | 46 | 0 | $3.4M | 65th of 83 | 2429th of 3,080 |
| Hail | 21 | 0 | $320K | 74th of 83 | 2647th of 3,080 |
| Floods | 9 | 0 | $10M | 42nd of 83 | 2487th of 3,080 |
| High wind and dust storms | 9 | 0 | $6.9M | 56th of 83 | 2013th of 3,080 |
| Tornadoes | 4 | 0 | $537K | 73rd of 83 | 2615th 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 Lake County record: every hazard by year and month, the deadliest events and FEMA's declarations.