Luce County, Michigan: hazard risk
FEMA rates Luce County's overall risk Very Low (score 2.6 of 100, higher than 2% of rated U.S. counties). Its storm record holds 406 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 |
|---|---|---|---|
| Lightning | Relatively Low | 24.7 | $64K |
| Landslide | Very Low | 49.1 | $940 |
| Wildfire | Very Low | 45.4 | $26K |
| Hail | Very Low | 26.0 | $72K |
| Cold Wave | Very Low | 16.4 | $125K |
| Riverine Flooding | Very Low | 15.5 | $1.4M |
| Winter Weather | Very Low | 14.7 | $9K |
| Drought | Very Low | 13.5 | $92 |
| Coastal Flooding | Very Low | 13.2 | $0 |
| Strong Wind | Very Low | 6.7 | $33K |
| Tornado | Very Low | 3.7 | $8K |
| Heat Wave | Very Low | 3.3 | $2K |
| Ice Storm | Very Low | 2.4 | $675 |
| Earthquake | Very Low | 2.3 | $2K |
| Hurricane | 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 | 267 | 2 | $108K | 12th of 83 | 356th of 3,077 |
| Severe thunderstorm wind | 43 | 0 | $120K | 80th of 83 | 2685th of 3,080 |
| Hail | 29 | 0 | $1.2M | 81st of 83 | 2724th of 3,080 |
| Extreme cold | 28 | 0 | – | 15th of 83 | 827th of 3,076 |
| High wind and dust storms | 17 | 0 | $168K | 50th of 83 | 1969th of 3,080 |
| Heavy rain | 6 | 0 | – | 12th of 83 | 1161st of 3,080 |
| Tornadoes | 4 | 0 | $129K | 75th of 83 | 2655th of 3,080 |
| Rip currents and high surf | 2 | 1 | – | 9th of 83 | 173rd of 2,080 |
| Heat | 2 | 0 | – | 52nd of 83 | 2163rd of 3,076 |
| Wildfires | 2 | 0 | $15M | 6th of 83 | 834th of 2,972 |
| Floods | 1 | 0 | – | 80th of 83 | 3047th of 3,080 |
| Lightning | 1 | 1 | $89K | 66th of 83 | 2207th 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 Luce County record: every hazard by year and month, the deadliest events and FEMA's declarations.