Mackinac County, Michigan: hazard risk
FEMA rates Mackinac County's overall risk Very Low (score 9.1 of 100, higher than 9% of rated U.S. counties). Its storm record holds 217 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 |
|---|---|---|---|
| Cold Wave | Relatively Low | 42.9 | $534K |
| Lightning | Relatively Low | 31.6 | $84K |
| Landslide | Very Low | 52.7 | $1K |
| Wildfire | Very Low | 47.6 | $30K |
| Coastal Flooding | Very Low | 36.8 | $7K |
| Riverine Flooding | Very Low | 29.7 | $2.5M |
| Hurricane | Very Low | 15.3 | $3K |
| Winter Weather | Very Low | 15.1 | $9K |
| Hail | Very Low | 12.7 | $30K |
| Tornado | Very Low | 9.3 | $41K |
| Earthquake | Very Low | 6.1 | $4K |
| Strong Wind | Very Low | 5.9 | $29K |
| Heat Wave | Very Low | 4.4 | $3K |
| Ice Storm | Very Low | 3.2 | $966 |
| 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 | 128 | 0 | $64K | 69th of 83 | 1458th of 3,077 |
| Severe thunderstorm wind | 31 | 0 | $205K | 83rd of 83 | 2734th of 3,080 |
| Hail | 18 | 0 | – | 82nd of 83 | 2769th of 3,080 |
| High wind and dust storms | 12 | 0 | $105K | 71st of 83 | 2245th of 3,080 |
| Extreme cold | 11 | 0 | – | 53rd of 83 | 1888th of 3,076 |
| Floods | 6 | 0 | $260K | 74th of 83 | 2920th of 3,080 |
| Drought | 4 | 0 | – | 5th of 83 | 2265th of 3,063 |
| Tornadoes | 4 | 0 | $71K | 76th of 83 | 2688th of 3,080 |
| Rip currents and high surf | 1 | 2 | – | 19th of 83 | 229th of 2,080 |
| Heat | 1 | 0 | – | 58th of 83 | 2364th of 3,076 |
| Lightning | 1 | 0 | $257K | 67th of 83 | 2257th 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 Mackinac County record: every hazard by year and month, the deadliest events and FEMA's declarations.