Cheboygan County, Michigan: Natural Disaster Risk and History
Cheboygan County, Michigan has a Relatively Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 59.5 out of 100, higher than about 59% of US counties, with inland (river and flash) flooding, cold waves and landslides scoring highest of its 18 hazards and $15 million a year in expected losses.
OpenFEMA lists 6 federal disaster declarations that included Cheboygan 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 7 tornadoes touching Cheboygan County from 1950 to 2025.
Live weather alerts for Michigan All official warnings Latest FEMA declarations
Population 25,564 Buildings worth $10 billion Area 894 sq mi Risk rank in Michigan 32 of 83 FIPS 26031
All 18 hazards, highest risk first
FEMA National Risk Index| Hazard | Risk rating | Score | Expected loss a year | How often | Events in record |
|---|---|---|---|---|---|
| Inland flooding | Relatively Moderate | 77.9 | $13 million | about once every 9.3 years | 3 |
| Cold wave | Relatively Moderate | 69.7 | $1.5 million | about 2 a year | 38 |
| Landslide | Relatively Low | 67.2 | $3,279 | about once every 6.9 years | — |
| Lightning | Relatively Low | 48.1 | $157,697 | about 23 a year | 51,482 strikes |
| Coastal flooding | Very Low | 37.2 | $8,315 | about once every 80 years | — |
| Hail | Relatively Low | 36.1 | $111,316 | about once every 1.5 years | 26 |
| Tornado | Very Low | 25.8 | $279,273 | about once every 11 years | 5 |
| Wildfire | Very Low | 25.3 | $7,910 | rarer than once in 1,000 years | — |
| Hurricane | Very Low | 24.5 | $6,424 | about once every 100 years | 0 |
| Winter weather | Very Low | 23.8 | $15,828 | about 28 a year | 524 |
| Heat wave | Very Low | 21.3 | $50,829 | about once every 1.5 years | 11 |
| Strong wind | Relatively Low | 17.1 | $108,379 | about once every 1.6 years | 21 |
| Earthquake | Very Low | 11.4 | $8,417 | rarer than once in 1,000 years | — |
| Ice storm | Very Low | 6.4 | $2,291 | about once every 22 years | 3 |
| 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 Cheboygan 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 7
| Tornadoes touching the county | 7 |
|---|---|
| Strongest-rated | (E)F1 ×3 |
| Peak month | August (3) |
| Deadliest | — |
| Longest path | 18 Oct 2007, EF1, 10.2 mi path |
| Most recent | 1 Sep 2014, EF0, 0.7 mi path |
| Deaths / injuries on those paths | 0 / 0 |
| Rating | (E)F0 | (E)F1 | (E)F2 | (E)F3 | (E)F4 | (E)F5 | Unrated |
|---|---|---|---|---|---|---|---|
| Count | 4 | 3 | 0 | 0 | 0 | 0 | 0 |
| Decade | 1950s | 1960s | 1970s | 1980s | 1990s | 2000s | 2010s | 2020s |
|---|---|---|---|---|---|---|---|---|
| Count | 1 | 0 | 2 | 1 | 0 | 2 | 1 | 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 Cheboygan County compares with its 5 nearest counties
| County | Distance | Overall risk | Score | Top hazard |
|---|---|---|---|---|
| Cheboygan County (this page) | — | Relatively Low | 59.5 | Inland flooding |
| Emmet County | 32 km | Very Low | 38.1 | Cold wave |
| Presque Isle County | 47 km | Very Low | 21.8 | Lightning |
| Otsego County | 48 km | Very Low | 18.4 | Hail |
| Charlevoix County | 51 km | Very Low | 22.3 | Cold wave |
| Montmorency County | 55 km | Very Low | 15.9 | Landslide |
Nearest by distance between county centres. Every county in Michigan, ranked.
Vulnerability and resilience
| Social vulnerability | Very High 83.7 |
|---|---|
| Community resilience | Relatively High 79.6 |
| Community risk factor | 1.44 |
| Expected annual loss, all hazards | $15 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 Cheboygan County's main hazards
- Right now: National Weather Service alerts for Michigan · all official warnings on Global Incident Tracker.
- Inland flooding: Flood safety: why shallow water kills · Floods recorded
- Cold wave: Carbon monoxide in winter · Power outages now
- Landslide: Landslides recorded
- 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 Cheboygan County
What natural disasters is Cheboygan County, Michigan most at risk from?
Cheboygan County, Michigan has a Relatively Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 59.5 out of 100, higher than about 59% of US counties, with inland (river and flash) flooding, cold waves and landslides scoring highest of its 18 hazards and $15 million a year in expected losses.
How many federal disaster declarations has Cheboygan County had?
OpenFEMA lists 6 federal disaster declarations that included Cheboygan 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 Cheboygan County?
NOAA's Storm Prediction Center recorded 7 tornadoes touching Cheboygan 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.