Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Michigan
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. 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.
Michigan ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Muskegon County | $413 | Relatively Low | $180,900 |
| 2 | Kalamazoo County | $519 | Relatively Moderate | $227,500 |
| 3 | Mason County | $526 | Very Low | $199,300 |
| 4 | Alpena County | $554 | Very Low | $137,800 |
| 5 | Keweenaw County | $559 | Very Low | $181,400 |
| 6 | Chippewa County | $565 | Very Low | $153,100 |
| 7 | Kent County | $577 | Relatively Moderate | $265,700 |
| 8 | Wayne County | $579 | Relatively High | $170,200 |
| 9 | Jackson County | $610 | Relatively Low | $182,900 |
| 10 | Ottawa County | $620 | Relatively Moderate | $291,200 |
| 11 | Ingham County | $620 | Relatively Moderate | $187,500 |
| 12 | Washtenaw County | $621 | Relatively Moderate | $353,000 |
| 13 | Mackinac County | $642 | Very Low | $165,600 |
| 14 | Calhoun County | $646 | Relatively Low | $151,500 |
| 15 | Cass County | $648 | Relatively Low | $205,200 |
| 16 | Charlevoix County | $662 | Very Low | $242,800 |
| 17 | Eaton County | $665 | Relatively Low | $206,700 |
| 18 | Van Buren County | $679 | Relatively Low | $189,900 |
| 19 | Oakland County | $679 | Relatively High | $320,400 |
| 20 | Genesee County | $680 | Relatively Moderate | $172,900 |
| 21 | Newaygo County | $681 | Relatively Low | $178,300 |
| 22 | Otsego County | $694 | Very Low | $196,500 |
| 23 | Wexford County | $697 | Very Low | $160,300 |
| 24 | Barry County | $700 | Relatively Low | $243,700 |
| 25 | Osceola County | $702 | Very Low | $139,600 |
| 26 | Houghton County | $705 | Very Low | $140,300 |
| 27 | Berrien County | $708 | Relatively Moderate | $211,400 |
| 28 | Allegan County | $712 | Relatively Low | $247,000 |
| 29 | Luce County | $714 | Very Low | $110,400 |
| 30 | Iosco County | $726 | Very Low | $122,900 |
| 31 | Livingston County | $732 | Relatively Low | $331,100 |
| 32 | St. Clair County | $741 | Relatively Moderate | $213,900 |
| 33 | Macomb County | $752 | Relatively High | $231,400 |
| 34 | Hillsdale County | $757 | Relatively Low | $170,500 |
| 35 | Clinton County | $778 | Relatively Low | $243,700 |
| 36 | Clare County | $781 | Relatively Low | $117,400 |
| 37 | Lenawee County | $783 | Relatively Low | $181,100 |
| 38 | Grand Traverse County | $787 | Relatively Low | $296,200 |
| 39 | Montcalm County | $798 | Relatively Low | $172,100 |
| 40 | Shiawassee County | $799 | Relatively Low | $164,600 |
| 41 | Ontonagon County | $801 | Very Low | $101,000 |
| 42 | St. Joseph County | $801 | Relatively Low | $167,600 |
| 43 | Gogebic County | $806 | Very Low | $99,700 |
| 44 | Branch County | $810 | Relatively Low | $147,500 |
| 45 | Lapeer County | $813 | Relatively Low | $229,100 |
| 46 | Gladwin County | $836 | Very Low | $153,200 |
| 47 | Kalkaska County | $841 | Very Low | $174,300 |
| 48 | Ionia County | $849 | Relatively Low | $189,400 |
| 49 | Bay County | $852 | Relatively Low | $135,100 |
| 50 | Presque Isle County | $853 | Very Low | $135,200 |
| 51 | Montmorency County | $856 | Very Low | $142,000 |
| 52 | Antrim County | $874 | Very Low | $222,500 |
| 53 | Emmet County | $874 | Very Low | $275,300 |
| 54 | Monroe County | $875 | Relatively Moderate | $215,700 |
| 55 | Schoolcraft County | $878 | Very Low | $123,500 |
| 56 | Crawford County | $884 | Very Low | $149,900 |
| 57 | Ogemaw County | $888 | Very Low | $138,600 |
| 58 | Isabella County | $897 | Relatively Low | $165,100 |
| 59 | Manistee County | $910 | Very Low | $166,600 |
| 60 | Missaukee County | $916 | Very Low | $163,700 |
| 61 | Arenac County | $919 | Very Low | $129,000 |
| 62 | Delta County | $925 | Relatively Low | $146,800 |
| 63 | Alcona County | $925 | Very Low | $157,500 |
| 64 | Saginaw County | $926 | Relatively Moderate | $139,400 |
| 65 | Midland County | $931 | Relatively Low | $184,300 |
| 66 | Marquette County | $933 | Relatively Low | $202,000 |
| 67 | Oceana County | $976 | Very Low | $167,600 |
| 68 | Benzie County | $988 | Very Low | $254,400 |
| 69 | Lake County | $1,015 | Very Low | $122,900 |
| 70 | Alger County | $1,044 | Very Low | $165,700 |
| 71 | Oscoda County | $1,102 | Very Low | $126,000 |
| 72 | Menominee County | $1,120 | Relatively Low | $142,700 |
| 73 | Baraga County | $1,134 | Very Low | $124,400 |
| 74 | Gratiot County | $1,147 | Relatively Low | $136,800 |
| 75 | Roscommon County | $1,166 | Relatively Low | $148,000 |
| 76 | Tuscola County | $1,287 | Relatively Low | $136,900 |
| 77 | Sanilac County | $1,306 | Relatively Low | $162,200 |
| 78 | Huron County | $1,320 | Relatively Low | $141,300 |
| 79 | Cheboygan County | $1,419 | Relatively Low | $175,200 |
| 80 | Mecosta County | $1,455 | Relatively Low | $169,900 |
| 81 | Leelanau County | $1,647 | Relatively Low | $406,900 |
| 82 | Dickinson County | $1,768 | Relatively Low | $130,300 |
| 83 | Iron County | $2,454 | Relatively Low | $101,500 |
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
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Michigan