Lapeer County, Michigan: hazard risk
FEMA rates Lapeer County's overall risk Relatively Low (score 66.4 of 100, higher than 66% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 532 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 | 91.3 | $2.4M |
| Tornado | Relatively Moderate | 84.5 | $5.6M |
| Cold Wave | Relatively Moderate | 83.7 | $5.0M |
| Ice Storm | Relatively Moderate | 72.4 | $274K |
| Riverine Flooding | Relatively Low | 68.4 | $13M |
| Hail | Relatively Low | 63.0 | $461K |
| Lightning | Relatively Low | 52.8 | $282K |
| Heat Wave | Relatively Low | 47.5 | $362K |
| Winter Weather | Relatively Low | 25.4 | $26K |
| Landslide | Very Low | 60.5 | $3K |
| Earthquake | Very Low | 35.6 | $126K |
| Hurricane | Very Low | 29.7 | $15K |
| Wildfire | Very Low | 16.9 | $7K |
| 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 | 263 | 1 | $4.0M | 16th of 83 | 1077th of 3,080 |
| Hail | 86 | 0 | – | 32nd of 83 | 2052nd of 3,080 |
| Winter storms | 71 | 2 | $6.7M | 65th of 83 | 1388th of 3,077 |
| High wind and dust storms | 33 | 0 | $20M | 13th of 83 | 868th of 3,080 |
| Tornadoes | 20 | 0 | $284M | 27th of 83 | 1600th of 3,080 |
| Floods | 16 | 0 | $18M | 25th of 83 | 2194th of 3,080 |
| Extreme cold | 15 | 0 | $1.7M | 23rd of 83 | 1015th of 3,076 |
| Heat | 14 | 0 | – | 9th of 83 | 953rd of 3,076 |
| Lightning | 10 | 0 | $2.2M | 12th of 83 | 662nd of 3,080 |
| Drought | 2 | 0 | – | 12th of 83 | 2315th 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 Lapeer County record: every hazard by year and month, the deadliest events and FEMA's declarations.