Montmorency County, Michigan: hazard risk
FEMA rates Montmorency County's overall risk Very Low (score 15.9 of 100, higher than 15% of rated U.S. counties). Its storm record holds 203 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 Moderate | 60.4 | $223K |
| Cold Wave | Relatively Low | 39.4 | $423K |
| Riverine Flooding | Relatively Low | 38.8 | $3.0M |
| Landslide | Very Low | 62.1 | $2K |
| Wildfire | Very Low | 60.4 | $56K |
| Hail | Very Low | 27.7 | $71K |
| Tornado | Very Low | 21.0 | $170K |
| Hurricane | Very Low | 17.6 | $3K |
| Heat Wave | Very Low | 13.5 | $20K |
| Strong Wind | Very Low | 13.1 | $69K |
| Ice Storm | Very Low | 7.9 | $3K |
| Winter Weather | Very Low | 6.7 | $3K |
| Earthquake | Very Low | 6.3 | $4K |
| 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 | 80 | 0 | $212K | 41st of 83 | 1024th of 3,077 |
| Severe thunderstorm wind | 56 | 0 | $1.4M | 60th of 83 | 2381st of 3,080 |
| Hail | 45 | 0 | $61K | 51st of 83 | 2333rd of 3,080 |
| Extreme cold | 8 | 0 | – | 37th of 83 | 1441st of 3,076 |
| Tornadoes | 6 | 0 | $619K | 65th of 83 | 2457th of 3,080 |
| High wind and dust storms | 4 | 0 | $57K | 79th of 83 | 2512th of 3,080 |
| Floods | 2 | 0 | – | 76th of 83 | 2968th of 3,080 |
| Heat | 2 | 0 | – | 39th of 83 | 2011th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Montmorency County record: every hazard by year and month, the deadliest events and FEMA's declarations.