Natural disaster risk in Luce County, Michigan
Michigan · population 5,339 · FIPS 26095
Overall: very low risk
Luce County has a composite risk score of 2.6 out of 100 — higher than 2% of US counties. It ranks 82 of 83 in Michigan (1 = highest risk). Its highest-rated hazards are lightning, landslide, wildfire.
Drought now: Yes: D2 Severe Drought, 2 weeks
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 100% of Luce County is in D2 Severe Drought. Some of it has been at D2 or worse for 2 weeks in a row.
Drought in Luce County: the last 52 weeks · droughtmonitor.unl.edu
The U.S. Drought Monitor is jointly produced by the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, the National Oceanic and Atmospheric Administration and the National Aeronautics and Space Administration. Map courtesy of NDMC.
Risk, loss, vulnerability and resilience
| Measure | Rating and score |
|---|---|
| Overall risk Expected annual loss, adjusted for social vulnerability and community resilience. |
Very low 2.6 |
| Expected annual loss About $1.7 million a year, on average, across all 18 hazards. |
Very low 1.5 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively high 79.8 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively moderate 52.2 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Luce County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Lightning | Relatively low 24 |
| Landslide | Very low 49 |
| Wildfire | Very low 45 |
| Hail | Very low 26 |
| Cold wave | Very low 16 |
| Inland (riverine) flooding | Very low 15 |
| Winter weather | Very low 14 |
| Coastal flooding | Very low 13 |
| Drought | Very low 13 |
| Strong wind | Very low 6 |
| Heat wave | Very low 3 |
| Tornado | Very low 3 |
| Earthquake | Very low 2 |
| Ice storm | Very low 2 |
| Avalanche | Not applicable |
| Hurricane | No rating |
| Tsunami | Insufficient data |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Luce County
Federal declarations that designated Luce County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Not since 1 Jan 2024: no FEMA disaster declaration in the records this site read names Luce County.
All FEMA declarations in Michigan, with estimated apply-by dates · Open FEMA deadlines
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). Dataset: Disaster Declarations Summaries - v2.
How to read these ratings
- Ratings run in five steps: very low, relatively low, relatively moderate, relatively high and very high. They compare a county with every other US county; they are not a measure of danger on their own.
- Scores run from 0 to 100 and are national percentiles. The bar shows the score: a score of 80 means a higher value than 80% of US counties.
- Overall risk combines the expected annual loss with social vulnerability and community resilience.
- Expected annual loss is the average yearly loss to buildings, people and agriculture the model expects from all 18 hazards.
- Social vulnerability describes how hard it may be for people to prepare for and recover from a disaster. Higher is worse.
- Community resilience describes a community's ability to prepare, adapt and recover. Higher is better.
- "Not applicable" means FEMA does not model that hazard there (for example, hurricanes far inland).
About this data
Source: FEMA National Risk Index, version 1.20, released December 2025, published by the Federal Emergency Management Agency (US public domain). About the National Risk Index. The index is a model of relative risk built from historical hazard records, what is exposed and community factors. It is not a forecast, it does not describe any single property, and it is not insurance or financial advice. For decisions about a specific address, check FEMA's flood maps and your local emergency management office.
Questions
What is the natural disaster risk in Luce County, Michigan?
FEMA's National Risk Index rates the overall risk in Luce County as very low, with a score of 2.6 out of 100 (higher than 2% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Luce County?
The hazards rated highest for Luce County are lightning (relatively low), landslide (very low), wildfire (very low).
What is the flood risk in Luce County?
FEMA rates inland (river and rain) flooding risk in Luce County as very low, and coastal flooding risk as very low. For a specific property, check the FEMA flood map and your local floodplain office.
Has Luce County had a FEMA disaster declaration?
Not since 1 Jan 2024: no FEMA disaster declaration in the records this site read names Luce County.
Is Luce County in a drought?
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 100% of Luce County is in D2 Severe Drought. Some of it has been at D2 or worse for 2 weeks in a row.
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