Natural disaster risk in Saginaw County, Michigan
Michigan · population 190,067 · FIPS 26145
Overall: relatively moderate risk
Saginaw County has a composite risk score of 88.5 out of 100 — higher than 88% of US counties. It ranks 7 of 83 in Michigan (1 = highest risk). Its highest-rated hazards are winter weather, strong wind, cold wave.
Drought now: No, but abnormally dry (D0)
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 100% of Saginaw County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 12 weeks in a row.
Drought in Saginaw 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 88.5 |
| Expected annual loss About $71.9 million a year, on average, across all 18 hazards. |
Relatively moderate 88 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively moderate 46.9 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Very high 93.2 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Saginaw County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Winter weather | Very high 97 |
| Strong wind | Relatively high 97 |
| Cold wave | Relatively high 94 |
| Tornado | Relatively high 93 |
| Inland (riverine) flooding | Relatively moderate 91 |
| Hail | Relatively moderate 85 |
| Ice storm | Relatively moderate 75 |
| Heat wave | Relatively low 77 |
| Earthquake | Relatively low 59 |
| Lightning | Relatively low 46 |
| Hurricane | Very low 50 |
| Landslide | Very low 31 |
| Wildfire | Very low 16 |
| Avalanche | Not applicable |
| Coastal flooding | Not applicable |
| Drought | No rating |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Saginaw County
Federal declarations that designated Saginaw County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Saginaw County has been named in 1 FEMA declaration since 1 Jan 2024. The latest is DR-4925-MI (Severe Storms, Tornadoes, and Flooding), declared 30 Jun 2026.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| DR-4925-MI | Major disaster | Severe Storms, Tornadoes, and Flooding | 30 Jun 2026 | Yes |
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 Saginaw County, Michigan?
FEMA's National Risk Index rates the overall risk in Saginaw County as relatively moderate, with a score of 88.5 out of 100 (higher than 88% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Saginaw County?
The hazards rated highest for Saginaw County are winter weather (very high), strong wind (relatively high), cold wave (relatively high).
What is the flood risk in Saginaw County?
FEMA rates inland (river and rain) flooding risk in Saginaw County as relatively moderate. For a specific property, check the FEMA flood map and your local floodplain office.
Has Saginaw County had a FEMA disaster declaration?
Yes. Saginaw County has been named in 1 FEMA declaration since 1 Jan 2024. The latest is DR-4925-MI (Severe Storms, Tornadoes, and Flooding), declared 30 Jun 2026.
Is Saginaw County in a drought?
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 100% of Saginaw County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 12 weeks in a row.
Every county in Michigan, ranked · All states · Disasters near me