Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in Michigan
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
Michigan ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Iron County | $2,454 | Relatively Low | $101,500 |
| 2 | Dickinson County | $1,768 | Relatively Low | $130,300 |
| 3 | Leelanau County | $1,647 | Relatively Low | $406,900 |
| 4 | Mecosta County | $1,455 | Relatively Low | $169,900 |
| 5 | Cheboygan County | $1,419 | Relatively Low | $175,200 |
| 6 | Huron County | $1,320 | Relatively Low | $141,300 |
| 7 | Sanilac County | $1,306 | Relatively Low | $162,200 |
| 8 | Tuscola County | $1,287 | Relatively Low | $136,900 |
| 9 | Roscommon County | $1,166 | Relatively Low | $148,000 |
| 10 | Gratiot County | $1,147 | Relatively Low | $136,800 |
| 11 | Baraga County | $1,134 | Very Low | $124,400 |
| 12 | Menominee County | $1,120 | Relatively Low | $142,700 |
| 13 | Oscoda County | $1,102 | Very Low | $126,000 |
| 14 | Alger County | $1,044 | Very Low | $165,700 |
| 15 | Lake County | $1,015 | Very Low | $122,900 |
| 16 | Benzie County | $988 | Very Low | $254,400 |
| 17 | Oceana County | $976 | Very Low | $167,600 |
| 18 | Marquette County | $933 | Relatively Low | $202,000 |
| 19 | Midland County | $931 | Relatively Low | $184,300 |
| 20 | Saginaw County | $926 | Relatively Moderate | $139,400 |
| 21 | Alcona County | $925 | Very Low | $157,500 |
| 22 | Delta County | $925 | Relatively Low | $146,800 |
| 23 | Arenac County | $919 | Very Low | $129,000 |
| 24 | Missaukee County | $916 | Very Low | $163,700 |
| 25 | Manistee County | $910 | Very Low | $166,600 |
| 26 | Isabella County | $897 | Relatively Low | $165,100 |
| 27 | Ogemaw County | $888 | Very Low | $138,600 |
| 28 | Crawford County | $884 | Very Low | $149,900 |
| 29 | Schoolcraft County | $878 | Very Low | $123,500 |
| 30 | Monroe County | $875 | Relatively Moderate | $215,700 |
| 31 | Emmet County | $874 | Very Low | $275,300 |
| 32 | Antrim County | $874 | Very Low | $222,500 |
| 33 | Montmorency County | $856 | Very Low | $142,000 |
| 34 | Presque Isle County | $853 | Very Low | $135,200 |
| 35 | Bay County | $852 | Relatively Low | $135,100 |
| 36 | Ionia County | $849 | Relatively Low | $189,400 |
| 37 | Kalkaska County | $841 | Very Low | $174,300 |
| 38 | Gladwin County | $836 | Very Low | $153,200 |
| 39 | Lapeer County | $813 | Relatively Low | $229,100 |
| 40 | Branch County | $810 | Relatively Low | $147,500 |
| 41 | Gogebic County | $806 | Very Low | $99,700 |
| 42 | St. Joseph County | $801 | Relatively Low | $167,600 |
| 43 | Ontonagon County | $801 | Very Low | $101,000 |
| 44 | Shiawassee County | $799 | Relatively Low | $164,600 |
| 45 | Montcalm County | $798 | Relatively Low | $172,100 |
| 46 | Grand Traverse County | $787 | Relatively Low | $296,200 |
| 47 | Lenawee County | $783 | Relatively Low | $181,100 |
| 48 | Clare County | $781 | Relatively Low | $117,400 |
| 49 | Clinton County | $778 | Relatively Low | $243,700 |
| 50 | Hillsdale County | $757 | Relatively Low | $170,500 |
| 51 | Macomb County | $752 | Relatively High | $231,400 |
| 52 | St. Clair County | $741 | Relatively Moderate | $213,900 |
| 53 | Livingston County | $732 | Relatively Low | $331,100 |
| 54 | Iosco County | $726 | Very Low | $122,900 |
| 55 | Luce County | $714 | Very Low | $110,400 |
| 56 | Allegan County | $712 | Relatively Low | $247,000 |
| 57 | Berrien County | $708 | Relatively Moderate | $211,400 |
| 58 | Houghton County | $705 | Very Low | $140,300 |
| 59 | Osceola County | $702 | Very Low | $139,600 |
| 60 | Barry County | $700 | Relatively Low | $243,700 |
| 61 | Wexford County | $697 | Very Low | $160,300 |
| 62 | Otsego County | $694 | Very Low | $196,500 |
| 63 | Newaygo County | $681 | Relatively Low | $178,300 |
| 64 | Genesee County | $680 | Relatively Moderate | $172,900 |
| 65 | Oakland County | $679 | Relatively High | $320,400 |
| 66 | Van Buren County | $679 | Relatively Low | $189,900 |
| 67 | Eaton County | $665 | Relatively Low | $206,700 |
| 68 | Charlevoix County | $662 | Very Low | $242,800 |
| 69 | Cass County | $648 | Relatively Low | $205,200 |
| 70 | Calhoun County | $646 | Relatively Low | $151,500 |
| 71 | Mackinac County | $642 | Very Low | $165,600 |
| 72 | Washtenaw County | $621 | Relatively Moderate | $353,000 |
| 73 | Ingham County | $620 | Relatively Moderate | $187,500 |
| 74 | Ottawa County | $620 | Relatively Moderate | $291,200 |
| 75 | Jackson County | $610 | Relatively Low | $182,900 |
| 76 | Wayne County | $579 | Relatively High | $170,200 |
| 77 | Kent County | $577 | Relatively Moderate | $265,700 |
| 78 | Chippewa County | $565 | Very Low | $153,100 |
| 79 | Keweenaw County | $559 | Very Low | $181,400 |
| 80 | Alpena County | $554 | Very Low | $137,800 |
| 81 | Mason County | $526 | Very Low | $199,300 |
| 82 | Kalamazoo County | $519 | Relatively Moderate | $227,500 |
| 83 | Muskegon County | $413 | Relatively Low | $180,900 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Michigan