Monroe County, Michigan: hazard risk
FEMA rates Monroe County's overall risk Relatively Moderate (score 82.5 of 100, higher than 82% of rated U.S. counties); 2 of its 15 hazards are rated Relatively High or Very High, led by strong wind, ice storm. Its storm record holds 644 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 | 93.6 | $2.9M |
| Ice Storm | Relatively High | 84.8 | $673K |
| Tornado | Relatively Moderate | 89.2 | $7.6M |
| Riverine Flooding | Relatively Moderate | 87.4 | $34M |
| Cold Wave | Relatively Moderate | 84.0 | $5.3M |
| Hail | Relatively Moderate | 83.7 | $1.2M |
| Winter Weather | Relatively Moderate | 76.7 | $201K |
| Heat Wave | Relatively Low | 73.9 | $1.2M |
| Earthquake | Relatively Low | 73.3 | $1.1M |
| Lightning | Relatively Low | 54.1 | $305K |
| Coastal Flooding | Relatively Low | 46.0 | $60K |
| Hurricane | Very Low | 44.2 | $48K |
| Wildfire | Very Low | 33.2 | $20K |
| Landslide | Very Low | 27.5 | $278 |
| 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 | 317 | 0 | $2.7M | 4th of 83 | 488th of 3,080 |
| Hail | 112 | 0 | – | 10th of 83 | 1392nd of 3,080 |
| Winter storms | 51 | 0 | $8.5M | 77th of 83 | 1630th of 3,077 |
| Tornadoes | 41 | 17 | $144M | 4th of 83 | 462nd of 3,080 |
| Floods | 38 | 3 | $17M | 3rd of 83 | 1165th of 3,080 |
| High wind and dust storms | 36 | 0 | $31M | 5th of 83 | 639th of 3,080 |
| Extreme cold | 16 | 0 | $1.7M | 16th of 83 | 848th of 3,076 |
| Heat | 16 | 0 | – | 3rd of 83 | 792nd of 3,076 |
| Lightning | 11 | 0 | $268K | 8th of 83 | 410th of 3,080 |
| Drought | 2 | 0 | – | 8th of 83 | 2279th 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 Monroe County record: every hazard by year and month, the deadliest events and FEMA's declarations.