Risk Index · Kent County · 2026-06-13
Grand Rapids, MI real-estate risk
- Risk score
- 92.2/100
- Relatively Moderate
- Expected annual loss
- $147M
- all hazards, county-wide
- Buildings-only loss
- $110M
- what owners and insurers carry
- Population
- 658K
- Kent County
Grand Rapids, MI (Kent County) carries a FEMA National Risk Index score of 92.2/100, rated "Relatively Moderate" and driven mainly by strong wind and tornado, with roughly $147M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Strong wind99
- Tornado97.8
- Heat wave95.1
- Riverine flood94.8
- Earthquake73.6
- Hail73.4
- Wildfire42.6
- Hurricane33.6
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.
Grand Rapids risk questions
Is Grand Rapids, MI a high-risk area for real estate?
Grand Rapids scores 92.2/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $147M per year.
What is the biggest natural hazard in Grand Rapids?
The highest-rated hazard is strong wind (99/100), followed by tornado (97.8/100).
How does hazard risk affect property insurance in Grand Rapids?
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.