St. Clair County, Michigan: hazard risk
FEMA rates St. Clair County's overall risk Relatively Moderate (score 82.0 of 100, higher than 81% of rated U.S. counties); 3 of its 15 hazards are rated Relatively High or Very High, led by cold wave, ice storm, strong wind. Its storm record holds 591 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 |
|---|---|---|---|
| Cold Wave | Relatively High | 93.3 | $10M |
| Ice Storm | Relatively High | 86.4 | $705K |
| Strong Wind | Relatively High | 85.8 | $1.7M |
| Tornado | Relatively Moderate | 87.2 | $6.2M |
| Riverine Flooding | Relatively Moderate | 85.9 | $29M |
| Heat Wave | Relatively Low | 63.8 | $733K |
| Winter Weather | Relatively Low | 57.1 | $88K |
| Hail | Relatively Low | 48.1 | $256K |
| Coastal Flooding | Relatively Low | 46.2 | $57K |
| Lightning | Relatively Low | 44.0 | $199K |
| Earthquake | Very Low | 50.8 | $305K |
| Landslide | Very Low | 37.6 | $589 |
| Hurricane | Very Low | 35.8 | $24K |
| Wildfire | Very Low | 33.5 | $19K |
| 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 | 281 | 2 | $3.4M | 21st of 83 | 1136th of 3,080 |
| Hail | 95 | 0 | $214K | 34th of 83 | 2084th of 3,080 |
| Winter storms | 81 | 1 | $20M | 63rd of 83 | 1359th of 3,077 |
| High wind and dust storms | 43 | 0 | $42M | 8th of 83 | 714th of 3,080 |
| Floods | 30 | 0 | $20M | 9th of 83 | 1757th of 3,080 |
| Tornadoes | 23 | 3 | $114M | 23rd of 83 | 1446th of 3,080 |
| Extreme cold | 15 | 1 | $1.7M | 26th of 83 | 1107th of 3,076 |
| Heat | 13 | 0 | – | 13th of 83 | 1058th of 3,076 |
| Lightning | 7 | 0 | $47K | 14th of 83 | 740th of 3,080 |
| Drought | 2 | 0 | – | 16th of 83 | 2341st 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 St. Clair County record: every hazard by year and month, the deadliest events and FEMA's declarations.