Shiawassee County, Michigan: hazard risk
FEMA rates Shiawassee County's overall risk Relatively Low (score 62.2 of 100, higher than 62% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 434 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 | 93.8 | $2.6M |
| Tornado | Relatively Moderate | 86.2 | $5.5M |
| Cold Wave | Relatively Moderate | 85.6 | $5.0M |
| Ice Storm | Relatively Moderate | 68.0 | $193K |
| Hail | Relatively Low | 64.1 | $427K |
| Heat Wave | Relatively Low | 55.7 | $475K |
| Riverine Flooding | Relatively Low | 55.2 | $7.5M |
| Lightning | Relatively Low | 32.0 | $114K |
| Landslide | Very Low | 42.6 | $775 |
| Hurricane | Very Low | 39.5 | $28K |
| Earthquake | Very Low | 39.4 | $144K |
| Winter Weather | Very Low | 22.2 | $19K |
| Wildfire | Very Low | 8.6 | $3K |
| 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 | 205 | 0 | $2.8M | 14th of 83 | 963rd of 3,080 |
| Winter storms | 59 | 0 | $5.0M | 66th of 83 | 1403rd of 3,077 |
| Hail | 55 | 0 | $6.8M | 28th of 83 | 2025th of 3,080 |
| Tornadoes | 35 | 0 | $44M | 3rd of 83 | 461st of 3,080 |
| High wind and dust storms | 27 | 0 | $16M | 14th of 83 | 873rd of 3,080 |
| Floods | 15 | 0 | $1.5M | 20th of 83 | 2138th of 3,080 |
| Extreme cold | 14 | 0 | $1.7M | 20th of 83 | 921st of 3,076 |
| Heat | 14 | 0 | – | 6th of 83 | 845th of 3,076 |
| Lightning | 7 | 0 | $403K | 9th of 83 | 536th of 3,080 |
| Drought | 2 | 0 | – | 7th of 83 | 2274th 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 Shiawassee County record: every hazard by year and month, the deadliest events and FEMA's declarations.