Arenac County
Michigan — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 20th
Arenac County faces very low composite natural disaster risk (NRI Risk Index score 20.3, 20th national percentile), driven primarily by winter weather and cold wave exposure. Expected annual loss across all 18 hazard types is $6M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Winter Weather | Medium | 11.95 / yr | $101K |
| Cold Wave | Low | 2.16 / yr | $929K |
| Lightning | Low | 28.45 / yr | $213K |
| Strong Wind | Low | 2.11 / yr | $419K |
| Hail | Low | 1.64 / yr | $159K |
| Coastal Flood | Very Low | 0.01 / yr | $12K |
| Riverine Flood | Low | 0.46 / yr | $4M |
| Wildfire | Very Low | 0.00 / yr | $16K |
| Tornado | Low | 0.16 / yr | $460K |
| Hurricane | Very Low | 0.01 / yr | $11K |
| Landslide | Very Low | 0.05 / yr | $239 |
| Ice Storm | Very Low | 0.39 / yr | $21K |
| Earthquake | Very Low | 0.00 / yr | $19K |
| Heat Wave | Very Low | 1.00 / yr | $25K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Drought | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Arenac County?
Arenac County has a composite FEMA National Risk Index score of 20.3 out of 100, placing it in the Very Low category and the 20th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Arenac County?
The three highest-rated hazards are Winter Weather (Medium, $101K EAL), Cold Wave (Low, $929K EAL), Lightning (Low, $213K EAL). These account for most of the county's expected annual losses.
How does Arenac County compare to other Michigan counties?
Arenac County ranks #70 of 83 Michigan counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Arenac County's $6M EAL is a statistical average, not a guarantee for any specific year or address.