Storm risk in Calhoun County, Michigan

FEMA's overall hazard score for Calhoun County is 74.52 (Relatively Low), 802nd of 3,144 counties. Hail scores 89.50 (Relatively Moderate), strong wind 97.20 (Relatively High) and tornado 88.33 (Relatively Moderate). Expected hail loss is $58 per $1 million of buildings a year; NOAA logged 8 hail reports in Calhoun County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Calhoun County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of MI$0.1$1$10$100$1,000Hail: $58 per $1 million, 849th of 3,126 rated counties$58Hail849th of 3,126 countiesStrong wind: $87 per $1 million, 364th of 3,121 rated counties$87Strong wind364th of 3,121 countiesTornado: $231 per $1 million, 1,366th of 3,144 rated counties$231Tornado1,366th of 3,144 counties
  • Calhoun County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Calhoun County

HazardRatingScore (0 to 100)Rank in U.S.Rank in MI
OverallRelatively Low 74.52802 of 3,14416 of 83
HailRelatively Moderate 89.50331 of 3,12610 of 83
Strong windRelatively High 97.2089 of 3,12610 of 83
TornadoRelatively Moderate 88.33368 of 3,12613 of 83

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$1,665,858$58 $25$22 849 of 3,12613 of 83
Strong wind$2,490,518$87 $34$20 364 of 3,12113 of 83
Tornado$6,648,722$231 $95$199 1,366 of 3,14416 of 83

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Calhoun County

  • FEMA expects hail in Calhoun County to cost $58 per $1 million of buildings a year: 2.59 times the U.S. median and 2.34 times the MI county median, ranked 849th of 3,126 counties nationally and 13th of 83 in Michigan.
  • FEMA expects strong wind in Calhoun County to cost $87 per $1 million of buildings a year: 4.25 times the U.S. median and 2.56 times the MI county median, ranked 364th of 3,121 counties nationally and 13th of 83 in Michigan.
  • FEMA expects tornado in Calhoun County to cost $231 per $1 million of buildings a year: 1.16 times the U.S. median and 2.45 times the MI county median, ranked 1,366th of 3,144 counties nationally and 16th of 83 in Michigan.
  • NOAA has only 8 hail reports for Calhoun County in 12 years, too few for a trend; FEMA's 97 counted hail events cover a longer record.
  • Applying FEMA's estimate to a $151,500 home, the average yearly loss in Calhoun County is about $8.78 for hail and $13 for wind before any deductible; at the U.S. median county rates it would be $3.39 and $3.09.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Calhoun County meets about 11.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1961, the median home in Calhoun County is 65 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 90.4% of its 59,626 homes are at least 26 years old.
  • March to June holds 7 of the 8 hail reports in Calhoun County (88 percent); the quietest month is January, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Calhoun County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$8.78hail, a year; $3.39 at the U.S. median county rate
$13strong wind, a year; $3.09 at the U.S. median county rate
$438hail and wind together over 20 years, at today’s rate

Formula: home value × Calhoun County yearly loss ÷ building value. Hail: $1,665,858 ÷ $28,732,768,811 = 0.0000580. Wind: $2,490,518 ÷ $28,732,768,811 = 0.0000867. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Calhoun County in plain numbers

  • Calhoun County scores 74.52 in FEMA's overall hazard index (Relatively Low): 802nd of 3,144 rated counties and 16th of 83 in Michigan.
  • Hail scores 89.50 (Relatively Moderate). FEMA expects $1,665,858 of hail damage to buildings in Calhoun County a year, which is $58 per $1 million of buildings, 2.59 times the U.S. median.
  • Strong wind scores 97.20 (Relatively High) with $2,490,518 of expected yearly building loss in Calhoun County: $87 per $1 million of buildings, 4.25 times the U.S. median.
  • Tornado scores 88.33 (Relatively Moderate) and FEMA's expected yearly tornado loss is $6,648,722, counting everything exposed, or $231 per $1 million of buildings in Calhoun County.
  • FEMA's own event record for Calhoun County averages 2.55 hail events and 4.89 strong-wind events a year.
  • NOAA logged 8 hail reports in Calhoun County between 2014 and June 2026, on 8 days with stones of 1 inch or more; the largest was 2.75 inches.
  • In Calhoun County, FEMA counts buildings worth 28.73 billion dollars and 134,279 residents.
  • Social vulnerability is Relatively Low in Calhoun County.
  • Community resilience there is Very High, for 134,279 residents.
  • 1 city in Calhoun County is covered on this site: Battle Creek. 12 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Battle Creek is $6,510 to $14,415.
  • Calhoun County ranks 55 of the 194 counties with a page here for hail loss per $1 million of buildings, 10 for wind and 89 for tornado.
  • In Calhoun County, June is the busiest month with 3 of the 8 reports (38 percent), against 0 reports in December.
  • Calhoun County's worst year was 2023, with 2 hail days at 1 inch or more and 2 reports. At the 2014 to 2025 pace that is 0.58 such days a year, one about every 20.6 months.
  • The median home in Calhoun County was built in 1961; 73.4% of its 59,626 housing units date from before 1980, 90.4% from before 2000 and 2.6% from 2010 on.
  • Census puts the median home value in Calhoun County at $151,500, and 72.4% of homes are lived in by their owners.
  • 950 single-family building permits were issued in Calhoun County from 2014 to 2025, about 15.9 per 1,000 homes, peaking in 2023.
  • NOAA lists 3 tornado tracks in Calhoun County since 2014; the strongest was an EF1 on February 28, 2024 near Marshall, 5.79 miles long.
  • The fastest gust in NOAA's records for Calhoun County is 90 mph on June 26, 2021 at East Leroy.
  • The nearest county with a page here is Kalamazoo County, 27 miles from the centre of Calhoun County; its hail score is 97.39.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 5 roofing contractor establishments in Calhoun County in 2023, one for every 11,925 homes.

The hail record of Calhoun County, year by year

NOAA logged 8 reports in Calhoun County; hail of 1 inch or more fell on 8 days. With so few reports the yearly bars below are small numbers, and a single storm moves them.

Calhoun County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more0122014: 1 reports, 1 days at 1 inch or more, largest 1.75 inch142015: 0 reports, 0 days at 1 inch or more, largest 0 inch152016: 0 reports, 0 days at 1 inch or more, largest 0 inch162017: 1 reports, 1 days at 1 inch or more, largest 1 inch172018: 0 reports, 0 days at 1 inch or more, largest 0 inch182019: 1 reports, 1 days at 1 inch or more, largest 2.75 inch192020: 1 reports, 1 days at 1 inch or more, largest 1.5 inch202021: 0 reports, 0 days at 1 inch or more, largest 0 inch212022: 0 reports, 0 days at 1 inch or more, largest 0 inch222023: 2 reports, 2 days at 1 inch or more, largest 1 inch232024: 1 reports, 1 days at 1 inch or more, largest 2.5 inch242025: 0 reports, 0 days at 1 inch or more, largest 0 inch252026: 1 reports, 1 days at 1 inch or more, largest 1.25 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Calhoun County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 1 reports1FebMarch: 2 reports2MarApril: 2 reports2AprMay: 0 reports0MayJune: 3 reports3JunJuly: 0 reports0JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: June, 3 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20141111.75 in–
20171101 in–
20191112.75 in$100,000
20201101.5 in$100,000
20232201 in–
20241112.5 in$500,000
2026 (to June)1101.25 in–

Biggest hail days in Calhoun County

DateLargest stoneReports that dayDamage reportedNear
June 1, 20192.75 in1$100,000Battle Creek
February 28, 20242.5 in1$500,000Renton
June 25, 20141.75 in1none recordedBattle Creek
April 7, 20201.5 in1$100,000Beadle Lake
March 6, 20261.25 in1none recordedAthens

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Calhoun County the big stones fell.

Reported hail locations, Calhoun County

1 in hail1 in hail1 in hail1.25 in hail1.5 in hail1.75 in hail2.5 in hail2.75 in hail Battle Creek
  • 51 to 1.74 in
  • 21.75 to 2.74 in, golf ball to tennis ball
  • 12.75 in and up, baseball

Largest plotted stone: 2.75 in. Bigger dots are bigger stones.

8 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Calhoun County

Fastest gusts in Calhoun County

DateGustNear
June 26, 202190 mphEast Leroy
July 1, 201485 mph(Btl)Kellog Arpt Btl
May 15, 202576 mph(Btl)Kellog Arpt Btl
May 18, 202674 mph(Btl)Kellog Arpt Btl

Strongest tornado tracks in Calhoun County

DateScaleLengthInjured / killedNear
February 28, 2024EF15.79 mi0 / 0Marshall
March 6, 2026EF02.75 mi0 / 0Tekonsha
May 15, 2025EF08.5 mi0 / 0St Marys Lake

3 tornado tracks in all since 2014; the strongest 3 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Calhoun County’s 2014 to 2025 pace of 0.58 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Calhoun County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 24.0% of homes24%<1940531940s: 7.8% of homes7.8%1940s471950s: 17.5% of homes17.5%1950s411960s: 10.0% of homes10%1960s361970s: 14.0% of homes14%1970s301980s: 7.5% of homes7.5%1980s241990s: 9.6% of homes9.6%1990s182000s: 7.0% of homes7%2000s122010s: 2.4% of homes2.4%2010s62020+: 0.2% of homes0.2%2020+2

Bars: share of 59,626 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1961
Built before 198073.4%
Built before 200090.4%
Built since 20102.6%
Owner-occupied72.4%
Median home value$151,500
Single-family permits, 2014 to 2025950
Permits per 1,000 homes15.9

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Calhoun County

Roofing firms in Calhoun County

Roofing contractor establishments, 20235
Change since 2016-2 (-29%)
Homes per roofing firm11,925
Median across counties5,189
Employees, 202366

Source for Calhoun County: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Calhoun County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Kalamazoo County, MI27 Relatively Moderate $1051.81$350.4114
Ingham County, MI40 Relatively Moderate $390.67$871.0017
Washtenaw County, MI60 Relatively Moderate $150.27$510.5969
Kent County, MI61 Relatively Moderate $5.560.10$290.3318
Genesee County, MI85 Relatively Moderate $210.36$530.6121
Saginaw County, MI91 Relatively Moderate $260.45$730.8421

More Michigan counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Calhoun County

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 12 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Battle Creek 49017 (77%), 49037 (100%), 49040 (0%), 49050 (0%) Roofers

Storm hit your roof in Calhoun County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Calhoun County?

FEMA's National Risk Index gives Calhoun County an overall score of 74.52 (Relatively Low), 802nd of 3,144. Hail scores 89.50 (Relatively Moderate), strong wind 97.20 (Relatively High) and tornado 88.33 (Relatively Moderate).

In Calhoun County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 8 for Calhoun County between 2014 and June 2026, on 8 days with hail of 1 inch or more; the largest stone was 2.75 inches.

What do hail and wind cost a home in Calhoun County each year, on average?

Applying FEMA's county rates to its median home value of $151,500: FEMA's estimate is about $8.78 a year for hail and $13 for wind, before any deductible, against $3.39 and $3.09 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Calhoun County compare with the rest of Michigan?

Per $1 million of buildings Calhoun County loses $58 to hail a year, against $25 in the median county of the state. Among 83 rated counties it is 10th for hail, 10th for strong wind and 13th for tornado.

How old are the roofs in Calhoun County?

The median home was built in 1961, 65 years ago, and 90.4% of the 59,626 housing units in Calhoun County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Calhoun County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Calhoun County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Calhoun County; Census County Business Patterns, roofing firms in Calhoun County. Planning-level information about Calhoun County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset 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).