Cass County, Michigan: Natural Disaster Risk and History
Cass County, Michigan has a Relatively Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 47.7 out of 100, higher than about 47% of US counties, with strong winds, hail and cold waves scoring highest of its 18 hazards and $14 million a year in expected losses.
OpenFEMA lists 7 federal disaster declarations that included Cass County since 1977, not counting 2 for COVID-19; the latest is EM-3225-MI (Hurricane Katrina Evacuation, declared 7 September 2005). NOAA's Storm Prediction Center recorded 18 tornadoes touching Cass County from 1950 to 2025.
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Population 51,549 Buildings worth $13 billion Area 513 sq mi Risk rank in Michigan 45 of 83 FIPS 26027
All 18 hazards, highest risk first
FEMA National Risk Index| Hazard | Risk rating | Score | Expected loss a year | How often | Events in record |
|---|---|---|---|---|---|
| Strong wind | Relatively High | 85.1 | $1.4 million | about 4.3 a year | 165 |
| Hail | Relatively Moderate | 79.3 | $762,193 | about 2.4 a year | 91 |
| Cold wave | Relatively Moderate | 67.8 | $1.7 million | about 2.4 a year | 46 |
| Landslide | Relatively Low | 65.8 | $3,700 | about once every 6.5 years | — |
| Tornado | Relatively Low | 64.5 | $1.9 million | about once every 4.7 years | 13 |
| Inland flooding | Relatively Low | 55.6 | $7.1 million | about once every 2.2 years | 13 |
| Earthquake | Very Low | 51.3 | $266,900 | about once every 926 years | — |
| Winter weather | Relatively Low | 51.3 | $59,996 | about 21 a year | 394 |
| Ice storm | Relatively Low | 42.4 | $53,832 | about 1.3 a year | 86 |
| Heat wave | Relatively Low | 42.2 | $231,403 | about 3.6 a year | 57 |
| Lightning | Relatively Low | 33.4 | $112,405 | about 38 a year | 88,359 strikes |
| Hurricane | Very Low | 31.8 | $14,774 | about once every 64 years | 6 |
| Drought | Very Low | 23.1 | $7,342 | about once every 4.1 years | 28 |
| Wildfire | Very Low | 19.0 | $6,351 | rarer than once in 1,000 years | — |
| Avalanche | Not Applicable | — | — | — | — |
| Coastal flooding | Not Applicable | — | — | — | — |
| Tsunami | Not Applicable | — | — | — | — |
| Volcanic activity | Not Applicable | — | — | — | — |
Score: FEMA's percentile among US counties that face the hazard (higher = more risk). Expected loss: FEMA's modelled average yearly loss to buildings, people (as a statistical value) and crops. How often: FEMA's annualised frequency of the hazard in the county; for some hazards it counts event-days, so it is a rough guide, not a forecast. "Not Applicable" means FEMA does not model that hazard here.
Federal disaster declarations 7
Most common: Snowstorm 4, Hurricane 1, Severe Storm 1, Flood 1.
| Decade | Declarations | Incident types |
|---|---|---|
| 1970s | 2 | Snowstorm ×2 |
| 1980s | 1 | Flood |
| 1990s | 1 | Snowstorm |
| 2000s | 3 | Hurricane, Severe Storm, Snowstorm |
The last 7
Widest declarations that included Cass County
- Hurricane Katrina Evacuation (2005, EM-3225-MI): 83 Michigan counties designated.
- Blizzards & Snowstorms (1978, EM-3057-MI): 83 Michigan counties designated.
- Snow (2001, EM-3160-MI): 39 Michigan counties designated.
Named storms in its declarations: Hurricane Katrina (2005).
Not counted above: 2 COVID-19 ("Biological") declarations — in 2020 every US county was included. Michigan also had 3 statewide declarations with no county list.
Tornado record since 1950 18
| Tornadoes touching the county | 18 |
|---|---|
| Strongest-rated | (E)F2 ×3 |
| Peak month | June (5) |
| Deadliest | 13 Jul 1992, F2, 4 mi path, 0 killed, 25 injured |
| Longest path | 8 Oct 1959, F1, 12.1 mi path |
| Most recent | 30 Mar 2025, EF1, 2.6 mi path |
| Deaths / injuries on those paths | 0 / 25 |
| Rating | (E)F0 | (E)F1 | (E)F2 | (E)F3 | (E)F4 | (E)F5 | Unrated |
|---|---|---|---|---|---|---|---|
| Count | 3 | 12 | 3 | 0 | 0 | 0 | 0 |
| Decade | 1950s | 1960s | 1970s | 1980s | 1990s | 2000s | 2010s | 2020s |
|---|---|---|---|---|---|---|---|---|
| Count | 2 | 1 | 2 | 2 | 2 | 1 | 5 | 3 |
Deaths and injuries are for each tornado's whole path, which can run beyond this county. F-scale ratings before February 2007, Enhanced Fujita (EF) after.
How Cass County compares with its 5 nearest counties
| County | Distance | Overall risk | Score | Top hazard |
|---|---|---|---|---|
| Cass County (this page) | — | Relatively Low | 47.7 | Strong wind |
| Berrien County | 35 km | Relatively Moderate | 81.7 | Strong wind |
| Elkhart County, IN | 37 km | Relatively Moderate | 83.7 | Strong wind |
| Van Buren County | 37 km | Relatively Low | 60.5 | Hail |
| St. Joseph County | 39 km | Relatively Low | 58.6 | Hail |
| St. Joseph County, IN | 41 km | Relatively Moderate | 85.8 | Cold wave |
Nearest by distance between county centres. Every county in Michigan, ranked.
Vulnerability and resilience
| Social vulnerability | Relatively Moderate 52.6 |
|---|---|
| Community resilience | Relatively Moderate 49.8 |
| Community risk factor | 1.16 |
| Expected annual loss, all hazards | $14 million |
FEMA scales expected losses up where social vulnerability is high (people who may find it harder to prepare, evacuate or recover) and down where community resilience is high. A factor above 1 raises the risk score. For social vulnerability a high rating is worse; for resilience a high rating is better.
Prepare for Cass County's main hazards
- Right now: National Weather Service alerts for Michigan · all official warnings on Global Incident Tracker.
- Strong wind: Power outages now
- Hail: Weather alerts for Michigan
- Cold wave: Carbon monoxide in winter · Power outages now
- Your property's flood zone: FEMA Flood Map Service Center ↗ — this page cannot tell you that.
- Official preparedness guidance: Ready.gov ↗ and your county emergency management office.
What this page shows, and what it misses
FEMA's National Risk Index rates a whole county against every other US county; it is a planning-level estimate for nationwide comparison, not a flood-zone map and not a substitute for a local risk assessment or the risk to one home. Declarations are presidential disaster, emergency and fire management declarations that named this county; state declarations and SBA or USDA designations are not included. Tornadoes are counted when the county is one of up to four listed on the track; 670 tornadoes that crossed a state line carry no county list in NOAA's file and are left out.
Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties - v1.20.0 (December 2025). Retrieved from https://services.arcgis.com/XG15cJAlne2vxtgt/ArcGIS/rest/services/National_Risk_Index_Counties/FeatureServer/0/query on November 2, 2026, 1:20 PM EST. This product uses the Federal Emergency Management Agency’s National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Federal Emergency Management Agency (FEMA), OpenFEMA Dataset: Disaster Declarations Summaries - v2, retrieved from https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries on November 2, 2026, 1:21 PM EST. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Tornado records: NOAA/NWS Storm Prediction Center, Severe Weather Database, tornadoes 1950–2025 (https://www.spc.noaa.gov/wcm/data/1950-2025_actual_tornadoes.csv, downloaded 2 November 2026). Public domain; not endorsed by NOAA. Compiled by Global Incident Tracker.
Questions about Cass County
What natural disasters is Cass County, Michigan most at risk from?
Cass County, Michigan has a Relatively Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 47.7 out of 100, higher than about 47% of US counties, with strong winds, hail and cold waves scoring highest of its 18 hazards and $14 million a year in expected losses.
How many federal disaster declarations has Cass County had?
OpenFEMA lists 7 federal disaster declarations that included Cass County since 1977, not counting 2 for COVID-19; the latest is EM-3225-MI (Hurricane Katrina Evacuation, declared 7 September 2005). Another 3 Michigan declarations were made statewide without a county list.
How many tornadoes have hit Cass County?
NOAA's Storm Prediction Center recorded 18 tornadoes touching Cass County from 1950 to 2025. The deadliest: 13 Jul 1992, F2, 4 mi path, 0 killed, 25 injured (deaths and injuries are for the whole path).
Is the National Risk Index a flood zone map?
No. The National Risk Index is a planning-level estimate for a whole county, built for nationwide comparison. It does not tell you the flood zone or the risk of a single property: for that, look up the address on FEMA's Flood Map Service Center (msc.fema.gov) and ask your local floodplain manager.