Montcalm County, Michigan: hazard risk
FEMA rates Montcalm County's overall risk Relatively Low (score 56.9 of 100, higher than 56% 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 305 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 | 94.9 | $3.1M |
| Winter Weather | Relatively High | 94.9 | $664K |
| Tornado | Relatively Moderate | 76.5 | $3.3M |
| Ice Storm | Relatively Moderate | 62.2 | $149K |
| Cold Wave | Relatively Low | 63.4 | $1.6M |
| Riverine Flooding | Relatively Low | 61.6 | $9.6M |
| Hail | Relatively Low | 51.3 | $278K |
| Lightning | Relatively Low | 46.0 | $204K |
| Landslide | Very Low | 59.4 | $3K |
| Earthquake | Very Low | 41.3 | $166K |
| Wildfire | Very Low | 32.4 | $17K |
| Heat Wave | Very Low | 32.3 | $154K |
| Hurricane | Very Low | 25.9 | $10K |
| 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 | 140 | 0 | $28M | 33rd of 83 | 1720th of 3,080 |
| Winter storms | 75 | 0 | $543K | 68th of 83 | 1434th of 3,077 |
| Hail | 54 | 0 | $1.8M | 48th of 83 | 2306th of 3,080 |
| Floods | 11 | 0 | $6.7M | 53rd of 83 | 2558th of 3,080 |
| Tornadoes | 11 | 0 | $6.9M | 50th of 83 | 2198th of 3,080 |
| High wind and dust storms | 10 | 0 | $16M | 65th of 83 | 2183rd of 3,080 |
| Extreme cold | 1 | 0 | $181K | 62nd of 83 | 2718th of 3,076 |
| Lightning | 1 | 0 | – | 60th of 83 | 2103rd 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 Montcalm County record: every hazard by year and month, the deadliest events and FEMA's declarations.