Charlevoix County, Michigan: Natural Disaster Risk and History
Charlevoix County, Michigan has a Very Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 22.3 out of 100, higher than about 22% of US counties, with cold waves, landslides and lightning scoring highest of its 18 hazards and $8.1 million a year in expected losses.
OpenFEMA lists 6 federal disaster declarations that included Charlevoix County since 1977, not counting 2 for COVID-19; the latest is DR-4925-MI (Severe Storms, Tornadoes, and Flooding, declared 30 June 2026). NOAA's Storm Prediction Center recorded 4 tornadoes touching Charlevoix County from 1950 to 2025.
Live weather alerts for Michigan All official warnings Latest FEMA declarations
Population 26,039 Buildings worth $9.3 billion Area 1,405 sq mi Risk rank in Michigan 66 of 83 FIPS 26029
All 18 hazards, highest risk first
FEMA National Risk Index| Hazard | Risk rating | Score | Expected loss a year | How often | Events in record |
|---|---|---|---|---|---|
| Cold wave | Relatively Moderate | 78.3 | $3.3 million | about 1.4 a year | 9 |
| Landslide | Relatively Low | 68.9 | $5,494 | about once every 4.9 years | — |
| Lightning | Relatively Low | 46.7 | $215,136 | about 23 a year | 38,038 strikes |
| Inland flooding | Very Low | 32.3 | $3.9 million | about once every 7.0 years | 4 |
| Hail | Very Low | 30.9 | $128,816 | about once every 1.5 years | 38 |
| Coastal flooding | Very Low | 26.4 | $2,771 | about once every 75 years | — |
| Strong wind | Relatively Low | 21.1 | $197,768 | about once every 1.6 years | 13 |
| Tornado | Very Low | 20.7 | $259,423 | about once every 9.5 years | 3 |
| Heat wave | Very Low | 17.8 | $51,168 | about once every 1.6 years | 3.5 |
| Hurricane | Very Low | 17.7 | $5,056 | about once every 100 years | 0 |
| Wildfire | Very Low | 16.2 | $5,814 | rarer than once in 1,000 years | — |
| Winter weather | Very Low | 16.0 | $13,697 | about 35 a year | 221 |
| Ice storm | Very Low | 11.7 | $6,542 | about once every 16 years | 2 |
| Earthquake | Very Low | 4.4 | $4,429 | rarer than once in 1,000 years | — |
| Drought | No Rating | 0.0 | — | — | 0 |
| Avalanche | Not Applicable | — | — | — | — |
| Tsunami | Insufficient Data | — | — | — | — |
| 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 6
Most common: Flood 1, Severe Ice Storm 1, Hurricane 1, Freezing 1.
| Decade | Declarations | Incident types |
|---|---|---|
| 1970s | 2 | Snowstorm, Drought |
| 1990s | 1 | Freezing |
| 2000s | 1 | Hurricane |
| 2020s | 2 | Flood, Severe Ice Storm |
The last 6
Widest declarations that included Charlevoix County
- Hurricane Katrina Evacuation (2005, EM-3225-MI): 83 Michigan counties designated.
- Blizzards & Snowstorms (1978, EM-3057-MI): 83 Michigan counties designated.
- Drought (1977, EM-3035-MI): 44 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 4
| Tornadoes touching the county | 4 |
|---|---|
| Strongest-rated | (E)F2 ×1 |
| Peak month | August (2) |
| Deadliest | — |
| Longest path | 31 Jul 1977, F2, 19.4 mi path |
| Most recent | 1 Aug 2002, F1, 1 mi path |
| Deaths / injuries on those paths | 0 / 0 |
| Rating | (E)F0 | (E)F1 | (E)F2 | (E)F3 | (E)F4 | (E)F5 | Unrated |
|---|---|---|---|---|---|---|---|
| Count | 1 | 2 | 1 | 0 | 0 | 0 | 0 |
| Decade | 1950s | 1960s | 1970s | 1980s | 1990s | 2000s | 2010s | 2020s |
|---|---|---|---|---|---|---|---|---|
| Count | 1 | 0 | 1 | 1 | 0 | 1 | 0 | 0 |
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 Charlevoix County compares with its 5 nearest counties
| County | Distance | Overall risk | Score | Top hazard |
|---|---|---|---|---|
| Charlevoix County (this page) | — | Very Low | 22.3 | Cold wave |
| Emmet County | 31 km | Very Low | 38.1 | Cold wave |
| Antrim County | 34 km | Very Low | 25.8 | Cold wave |
| Cheboygan County | 51 km | Relatively Low | 59.5 | Inland flooding |
| Otsego County | 52 km | Very Low | 18.4 | Hail |
| Leelanau County | 67 km | Relatively Low | 48.3 | Cold wave |
Nearest by distance between county centres. Every county in Michigan, ranked.
Vulnerability and resilience
| Social vulnerability | Relatively Low 36.8 |
|---|---|
| Community resilience | Very High 98.2 |
| Community risk factor | 1.01 |
| Expected annual loss, all hazards | $8.1 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 Charlevoix County's main hazards
- Right now: National Weather Service alerts for Michigan · all official warnings on Global Incident Tracker.
- Cold wave: Carbon monoxide in winter · Power outages now
- Landslide: Landslides recorded
- Lightning: Weather alerts for Michigan
- 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 Charlevoix County
What natural disasters is Charlevoix County, Michigan most at risk from?
Charlevoix County, Michigan has a Very Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 22.3 out of 100, higher than about 22% of US counties, with cold waves, landslides and lightning scoring highest of its 18 hazards and $8.1 million a year in expected losses.
How many federal disaster declarations has Charlevoix County had?
OpenFEMA lists 6 federal disaster declarations that included Charlevoix County since 1977, not counting 2 for COVID-19; the latest is DR-4925-MI (Severe Storms, Tornadoes, and Flooding, declared 30 June 2026). Another 3 Michigan declarations were made statewide without a county list.
How many tornadoes have hit Charlevoix County?
NOAA's Storm Prediction Center recorded 4 tornadoes touching Charlevoix County from 1950 to 2025.
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.