Midland County, Michigan: hazard risk
FEMA rates Midland County's overall risk Relatively Low (score 71.9 of 100, higher than 71% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by strong wind, winter weather. Its storm record holds 420 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 | 92.1 | $2.5M |
| Winter Weather | Relatively High | 91.6 | $484K |
| Cold Wave | Relatively Moderate | 84.1 | $5.0M |
| Tornado | Relatively Moderate | 80.3 | $4.2M |
| Riverine Flooding | Relatively Moderate | 76.9 | $18M |
| Hail | Relatively Moderate | 76.0 | $761K |
| Ice Storm | Relatively Low | 57.1 | $123K |
| Lightning | Relatively Low | 53.1 | $276K |
| Heat Wave | Relatively Low | 52.0 | $434K |
| Earthquake | Very Low | 36.2 | $126K |
| Hurricane | Very Low | 34.7 | $22K |
| Wildfire | Very Low | 32.6 | $18K |
| Landslide | Very Low | 29.8 | $320 |
| 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 | 150 | 0 | $2.7M | 31st of 83 | 1448th of 3,080 |
| Hail | 103 | 0 | $13M | 19th of 83 | 1823rd of 3,080 |
| Winter storms | 68 | 0 | $1.2M | 50th of 83 | 1180th of 3,077 |
| High wind and dust storms | 31 | 0 | $14M | 7th of 83 | 709th of 3,080 |
| Floods | 20 | 0 | $384M | 13th of 83 | 1835th of 3,080 |
| Extreme cold | 15 | 0 | $1.7M | 17th of 83 | 852nd of 3,076 |
| Heat | 14 | 0 | – | 5th of 83 | 826th of 3,076 |
| Tornadoes | 10 | 0 | $1.1M | 44th of 83 | 2059th of 3,080 |
| Lightning | 6 | 0 | $107K | 11th of 83 | 620th of 3,080 |
| Drought | 2 | 0 | – | 6th of 83 | 2268th 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 Midland County record: every hazard by year and month, the deadliest events and FEMA's declarations.