Saginaw County, Michigan: hazard risk
FEMA rates Saginaw County's overall risk Relatively Moderate (score 88.5 of 100, higher than 88% of rated U.S. counties); 4 of its 14 hazards are rated Relatively High or Very High, led by winter weather, strong wind, cold wave. Its storm record holds 647 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 | Very High | 97.9 | $1.2M |
| Strong Wind | Relatively High | 97.2 | $3.9M |
| Cold Wave | Relatively High | 94.9 | $11M |
| Tornado | Relatively High | 93.3 | $9.2M |
| Riverine Flooding | Relatively Moderate | 91.4 | $43M |
| Hail | Relatively Moderate | 86.0 | $1.2M |
| Ice Storm | Relatively Moderate | 75.6 | $287K |
| Heat Wave | Relatively Low | 77.8 | $1.3M |
| Earthquake | Relatively Low | 59.7 | $431K |
| Lightning | Relatively Low | 46.4 | $198K |
| Hurricane | Very Low | 50.5 | $73K |
| Landslide | Very Low | 31.5 | $333 |
| Wildfire | Very Low | 16.0 | $5K |
| 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 | 299 | 0 | $4.8M | 30th of 83 | 1427th of 3,080 |
| Hail | 126 | 0 | $411 | 29th of 83 | 2038th of 3,080 |
| Winter storms | 74 | 0 | $7.7M | 76th of 83 | 1627th of 3,077 |
| Floods | 40 | 0 | $18M | 8th of 83 | 1657th of 3,080 |
| High wind and dust storms | 38 | 0 | $41M | 15th of 83 | 928th of 3,080 |
| Tornadoes | 30 | 0 | $32M | 25th of 83 | 1558th of 3,080 |
| Extreme cold | 16 | 0 | $2.6M | 27th of 83 | 1137th of 3,076 |
| Heat | 14 | 0 | – | 14th of 83 | 1068th of 3,076 |
| Lightning | 7 | 0 | $303K | 17th of 83 | 915th of 3,080 |
| Drought | 2 | 0 | – | 18th of 83 | 2361st 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 Saginaw County record: every hazard by year and month, the deadliest events and FEMA's declarations.