Natural disaster risk in Ottawa County, Michigan
Michigan · population 296,165 · FIPS 26139
Overall: relatively moderate risk
Ottawa County has a composite risk score of 82.9 out of 100 — higher than 82% of US counties. It ranks 9 of 83 in Michigan (1 = highest risk). Its highest-rated hazards are strong wind, inland (riverine) flooding, tornado.
Drought now: No: no drought or dryness
No. On the U.S. Drought Monitor map valid 13 October 2026, no part of Ottawa County is in drought or abnormally dry (none of D0 to D4). That has been so for 2 weeks in a row.
Drought in Ottawa 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. |
Relatively moderate 82.9 |
| Expected annual loss About $68.2 million a year, on average, across all 18 hazards. |
Relatively moderate 87.5 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Very low 12.2 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Very high 99.6 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Ottawa County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Strong wind | Relatively high 97 |
| Inland (riverine) flooding | Relatively moderate 88 |
| Tornado | Relatively moderate 87 |
| Hail | Relatively moderate 83 |
| Winter weather | Relatively moderate 82 |
| Ice storm | Relatively moderate 77 |
| Lightning | Relatively moderate 76 |
| Cold wave | Relatively moderate 73 |
| Heat wave | Relatively low 63 |
| Earthquake | Relatively low 61 |
| Landslide | Very low 51 |
| Coastal flooding | Very low 35 |
| Wildfire | Very low 34 |
| Hurricane | Very low 26 |
| Avalanche | Not applicable |
| Drought | No rating |
| Tsunami | Insufficient data |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Ottawa County
Federal declarations that designated Ottawa 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 Ottawa 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 Ottawa County, Michigan?
FEMA's National Risk Index rates the overall risk in Ottawa County as relatively moderate, with a score of 82.9 out of 100 (higher than 82% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Ottawa County?
The hazards rated highest for Ottawa County are strong wind (relatively high), inland (riverine) flooding (relatively moderate), tornado (relatively moderate).
What is the flood risk in Ottawa County?
FEMA rates inland (river and rain) flooding risk in Ottawa County as relatively moderate, and coastal flooding risk as very low. For a specific property, check the FEMA flood map and your local floodplain office.
Has Ottawa County had a FEMA disaster declaration?
Not since 1 Jan 2024: no FEMA disaster declaration in the records this site read names Ottawa County.
Is Ottawa County in a drought?
No. On the U.S. Drought Monitor map valid 13 October 2026, no part of Ottawa County is in drought or abnormally dry (none of D0 to D4). That has been so for 2 weeks in a row.
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