riskbycounty
FEMA NRI 1.19.0Updated Nov 2023 · Coverage 2014–2023Methodology

Baraga County Disaster Risk

Baraga County, Michigan

FEMA Risk Rating

Very Low

National Percentile

11th

of 3,144 counties

State Rank

#77

of 83 (1 = highest risk)

Flood Risk

30th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Very Low

Higher than 30% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 15% of US counties

Tornado

Tornado and severe thunderstorm risk

Very Low

Higher than 6% of US counties

Earthquake

Seismic activity and ground shaking risk

Very Low

Higher than 0% of US counties

Hurricane

Tropical cyclone and hurricane risk

Very Low

Higher than 0% of US counties

Risk Overview

About Natural Disaster Risk in Baraga County, Michigan

Baraga ranks among nation's safest

Baraga County scores just 10.66 on the composite risk scale, earning a Very Low rating well below the national average. The county experiences minimal exposure to most natural disaster hazards.

Michigan's second-lowest risk county

Baraga scores 10.66 against Michigan's state average of 49.56, making it one of the state's safest counties for natural disasters. Only Alger County rivals its low exposure profile.

Comparable safety to nearby Alger

Baraga scores 10.66, nearly identical to Alger County at 9.61 and far below Alpena at 28.34. The county's Upper Peninsula location provides exceptional natural disaster protection.

Flood risk stands modestly above others

Baraga's highest hazard is flood risk at 29.60, followed by wildfire at 15.14, both below state averages. Earthquake and hurricane risks are absent entirely, scoring 0.00 each.

Basic homeowners coverage is typically sufficient

Standard homeowners insurance provides adequate protection for Baraga residents. Flood insurance is optional for most properties given the county's low flood risk, though those near water should assess their individual exposure.

Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor

Preparedness Guide

What to Prepare for in Baraga County

Top Hazards by Exposure

  1. #1
    FloodPrepare
    30th percentile
  2. #2
    WildfirePrepare
    15th percentile
  3. #3
    TornadoPrepare
    6th percentile

Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)

Risk Advisory: Baraga County

Risk Verdict

Baraga County sits in the lower tier of U.S. counties for natural disaster exposure, ranked at the 11th percentile nationally. Even at the 11th percentile, Baraga County's composite score reflects real hazard exposure categories — knowing which ones apply locally enables targeted, efficient household preparedness.

Hazard Breakdown

Flood risk is Baraga County's dominant natural hazard, ranked at the 30th percentile nationally under FEMA's National Risk Index. Wildfire ranks second at the 15th percentile nationally. Additional tracked hazards include tornado (6th percentile), earthquake (0th percentile), hurricane (0th percentile).

Preparedness Context

With flood risk ranking at the 30th percentile nationally, Baraga County residents face one of the most financially damaging hazards without specialized coverage. Flood insurance through the NFIP or a private carrier is worth evaluating regardless of current mortgage requirements. Alongside flooding, wildfire exposure at the 15th percentile means households benefit from a multi-hazard preparedness plan rather than focusing on flood alone. Registering for Baraga County's county emergency alert system — typically through the county emergency management office's website — ensures households receive early warning when flood events develop faster than forecast.

Regional Context

Baraga County falls 38.9 points below Michigan's typical county risk level, making it one of the safer natural-hazard environments in the state.

Is your household prepared for Baraga County's hazards?

Review FEMA's county-specific preparedness checklists and emergency planning guides.

FEMA Ready Guide →

Frequently Asked Questions

What is the natural disaster risk in Baraga County, MI?
Baraga County has a FEMA National Risk Index rating of Very Low, placing it in the 11th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Baraga County?
Baraga County is evaluated for five major natural hazard types: flooding (30th percentile), wildfire (15th percentile), tornado (6th percentile), earthquake (0th percentile), hurricane (0th percentile). The highest-risk hazard is flooding at the 30th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Baraga County risk compare to the Michigan average?
Baraga County's composite risk percentile is 11th, compared to the Michigan state average of 50th percentile. The state's overall risk rating is Relatively Low. This means Baraga County faces lower natural disaster risk than the typical county in Michigan.
Is Baraga County at risk for flooding?
Yes, Baraga County's flooding risk is at the 30th percentile nationally. This is below the national median, indicating relatively lower exposure.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Is Baraga County a safe place to live?
Baraga County's composite risk score of 11th percentile is below the Michigan state average of 50th percentile, indicating relatively lower exposure to natural hazards. However, no county is completely risk-free. The primary hazard type is flooding at the 30th percentile. Residents should still maintain emergency preparedness plans and appropriate insurance coverage.
By Evan Brooks, Data EditorUpdated Reviewed by Evan Brooks, Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.