riskbycounty
FEMA National Risk Index

Saginaw County Disaster Risk

Saginaw County, Michigan

FEMA Risk Rating

Relatively Moderate

National Percentile

89th

of 3,144 counties

State Rank

#7

of 83 (1 = highest risk)

Flood Risk

91th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Moderate

Higher than 91% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 16% of US counties

Tornado

Tornado and severe thunderstorm risk

Moderate

Higher than 93% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 60% of US counties

Hurricane

Tropical cyclone and hurricane risk

Relatively Low

Higher than 50% of US counties

Risk Advisory: Saginaw County

Risk Verdict

Saginaw County has a relatively moderate overall disaster risk profile, scoring in the 89th percentile nationally. While not in the highest tier, this county faces meaningful hazard exposure. Residents are encouraged to understand their specific risks and maintain emergency supplies.

Hazard Breakdown

Tornado risk is the dominant hazard for Saginaw County, scoring in the 93th percentile nationally. It is followed by flood risk at the 91th percentile. Additional hazards include earthquake (60th), hurricane (50th), wildfire (16th).

Preparedness Context

With tornado risk as the top concern, Saginaw County residents should identify a safe room or interior space on the lowest floor, have a NOAA weather radio, and practice tornado drills with your household. Secondary risks such as flood also warrant attention in household and community preparedness planning. FEMA recommends all households maintain at least 72 hours of food, water, and medication supplies regardless of specific hazard exposure.

Regional Context

Saginaw County is significantly riskier than the average county in Michigan. Its composite risk score is 39 points higher than the state average, meaning residents face above-average exposure to natural hazards compared to their neighbors.

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Frequently Asked Questions

What is the natural disaster risk in Saginaw County, MI?
Saginaw County has a FEMA National Risk Index rating of Relatively Moderate, placing it in the 89th 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 Saginaw County?
Saginaw County is evaluated for five major natural hazard types: tornado (93th percentile), flooding (91th percentile), earthquake (60th percentile), hurricane (50th percentile), wildfire (16th percentile). The highest-risk hazard is tornado at the 93th 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 Saginaw County risk compare to the Michigan average?
Saginaw County's composite risk percentile is 89th, compared to the Michigan state average of 50th percentile. The state's overall risk rating is Relatively Low. This means Saginaw County faces higher natural disaster risk than the typical county in Michigan.
Is Saginaw County at risk for tornado?
Yes, Saginaw County's tornado risk is at the 93th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Saginaw County is at the 91th percentile.
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.
Why is Saginaw County higher risk than average?
Saginaw County's composite risk score of 89th percentile is above the Michigan state average of 50th percentile. This elevated risk is driven by tornado exposure (93th percentile), along with flooding and earthquake and hurricane risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Counties with Similar Risk

Washtenaw County

Michigan

+0.7

Relatively Moderate

89th percentile

Ingham County

Michigan

-1.3

Relatively Moderate

87th percentile

Genesee County

Michigan

+3.6

Relatively Moderate

92th percentile

By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & 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.

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