Risk Index · Wayne County · 2026-06-13
Detroit, MI real-estate risk
- Risk score
- 99/100
- Relatively High
- Expected annual loss
- $402M
- all hazards, county-wide
- Buildings-only loss
- $274M
- what owners and insurers carry
- Population
- 1.8M
- Wayne County
Detroit, MI (Wayne County) carries a FEMA National Risk Index score of 99/100, rated "Relatively High" and driven mainly by strong wind and tornado, with roughly $402M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Strong wind99.7
- Tornado99.5
- Riverine flood99.4
- Heat wave99.3
- Earthquake94.7
- Hurricane57.8
- Wildfire54.4
- Coastal flood49.6
- Hail46.5
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Detroit risk questions
Is Detroit, MI a high-risk area for real estate?
Detroit scores 99/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $402M per year.
What is the biggest natural hazard in Detroit?
The highest-rated hazard is strong wind (99.7/100), followed by tornado (99.5/100).
How does hazard risk affect property insurance in Detroit?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.