Otsego County, Michigan: hazard risk
FEMA rates Otsego County's overall risk Very Low (score 18.4 of 100, higher than 18% of rated U.S. counties). Its storm record holds 327 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 | 64.1 | $437K |
| Hail | Relatively Low | 71.8 | $671K |
| Landslide | Relatively Low | 64.9 | $4K |
| Cold Wave | Relatively Low | 61.5 | $1.7M |
| Strong Wind | Relatively Low | 42.9 | $494K |
| Tornado | Relatively Low | 27.9 | $492K |
| Wildfire | Very Low | 45.0 | $38K |
| Riverine Flooding | Very Low | 29.0 | $3.8M |
| Hurricane | Very Low | 18.0 | $6K |
| Heat Wave | Very Low | 17.7 | $54K |
| Winter Weather | Very Low | 13.5 | $12K |
| Earthquake | Very Low | 10.1 | $11K |
| Ice Storm | Very Low | 10.0 | $6K |
| 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 | 155 | 0 | $447K | 13th of 83 | 359th of 3,077 |
| Severe thunderstorm wind | 82 | 0 | $2.7M | 46th of 83 | 2182nd of 3,080 |
| Hail | 57 | 0 | $6K | 60th of 83 | 2435th of 3,080 |
| High wind and dust storms | 11 | 0 | $96K | 42nd of 83 | 1841st of 3,080 |
| Extreme cold | 7 | 0 | – | 39th of 83 | 1507th of 3,076 |
| Tornadoes | 5 | 2 | $52M | 62nd of 83 | 2432nd of 3,080 |
| Lightning | 4 | 0 | $693K | 16th of 83 | 890th of 3,080 |
| Floods | 3 | 0 | $19K | 75th of 83 | 2962nd of 3,080 |
| Heat | 2 | 0 | – | 35th of 83 | 1990th of 3,076 |
| Drought | 1 | 0 | – | 25th of 83 | 2396th 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 Otsego County record: every hazard by year and month, the deadliest events and FEMA's declarations.