Ontonagon County, Michigan: hazard risk
FEMA rates Ontonagon County's overall risk Very Low (score 4.2 of 100, higher than 4% of rated U.S. counties). Its storm record holds 630 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 |
|---|---|---|---|
| Winter Weather | Relatively Low | 57.8 | $70K |
| Cold Wave | Relatively Low | 46.2 | $676K |
| Lightning | Relatively Low | 26.6 | $79K |
| Wildfire | Very Low | 31.6 | $13K |
| Drought | Very Low | 22.4 | $6K |
| Strong Wind | Very Low | 16.7 | $118K |
| Hail | Very Low | 15.9 | $45K |
| Coastal Flooding | Very Low | 15.0 | $0 |
| Riverine Flooding | Very Low | 13.0 | $1.3M |
| Landslide | Very Low | 8.5 | $16 |
| Tornado | Very Low | 7.5 | $32K |
| Heat Wave | Very Low | 5.9 | $6K |
| Ice Storm | Very Low | 2.2 | $717 |
| Earthquake | No Rating | 0.0 | $0 |
| Hurricane | 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 | 401 | 2 | $177K | 11th of 83 | 336th of 3,077 |
| Severe thunderstorm wind | 73 | 0 | $404K | 79th of 83 | 2666th of 3,080 |
| Hail | 55 | 0 | – | 75th of 83 | 2651st of 3,080 |
| Extreme cold | 46 | 0 | – | 10th of 83 | 734th of 3,076 |
| High wind and dust storms | 20 | 0 | $1.9M | 60th of 83 | 2086th of 3,080 |
| Heavy rain | 11 | 0 | $2K | 10th of 83 | 983rd of 3,080 |
| Floods | 10 | 0 | $11M | 64th of 83 | 2804th of 3,080 |
| Heat | 5 | 0 | – | 37th of 83 | 1995th of 3,076 |
| Tornadoes | 3 | 0 | $2.8M | 81st of 83 | 2790th of 3,080 |
| Rip currents and high surf | 1 | 1 | – | 22nd of 83 | 240th of 2,080 |
| Wildfires | 1 | 0 | – | 16th of 83 | 1190th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Ontonagon County record: every hazard by year and month, the deadliest events and FEMA's declarations.