Otsego County
Michigan — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 18th
Otsego County faces very low composite natural disaster risk (NRI Risk Index score 18.4, 18th national percentile), driven primarily by hail and landslide exposure. Expected annual loss across all 18 hazard types is $8M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hail | Low | 0.98 / yr | $671K |
| Landslide | Low | 0.15 / yr | $4K |
| Lightning | Medium | 24.65 / yr | $437K |
| Cold Wave | Low | 1.74 / yr | $2M |
| Wildfire | Very Low | 0.00 / yr | $38K |
| Strong Wind | Low | 0.87 / yr | $494K |
| Riverine Flood | Very Low | 0.04 / yr | $4M |
| Tornado | Low | 0.08 / yr | $492K |
| Hurricane | Very Low | 0.01 / yr | $6K |
| Heat Wave | Very Low | 0.74 / yr | $54K |
| Winter Weather | Very Low | 32.58 / yr | $12K |
| Earthquake | Very Low | 0.00 / yr | $11K |
| Ice Storm | Very Low | 0.07 / yr | $6K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | 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 Otsego County?
Otsego County has a composite FEMA National Risk Index score of 18.4 out of 100, placing it in the Very Low category and the 18th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Otsego County?
The three highest-rated hazards are Hail (Low, $671K EAL), Landslide (Low, $4K EAL), Lightning (Medium, $437K EAL). These account for most of the county's expected annual losses.
How does Otsego County compare to other Michigan counties?
Otsego County ranks #71 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. Otsego County's $8M EAL is a statistical average, not a guarantee for any specific year or address.