Storm risk in Muskegon County, Michigan

FEMA's overall hazard score for Muskegon County is 70.10 (Relatively Low), 941st of 3,144 counties. Hail scores 51.11 (Relatively Low), strong wind 96.41 (Relatively High) and tornado 80.41 (Relatively Moderate). Expected hail loss is $6.97 per $1 million of buildings a year; NOAA logged 8 hail reports in Muskegon County from 2014 to June 2026.

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

Muskegon 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: $6.97 per $1 million, 2,287th of 3,126 rated counties$6.97Hail2,287th of 3,126 countiesStrong wind: $63 per $1 million, 597th of 3,121 rated counties$63Strong wind597th of 3,121 countiesTornado: $122 per $1 million, 1,978th of 3,144 rated counties$122Tornado1,978th of 3,144 counties
  • Muskegon 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 Muskegon County

HazardRatingScore (0 to 100)Rank in U.S.Rank in MI
OverallRelatively Low 70.10941 of 3,14421 of 83
HailRelatively Low 51.111,538 of 3,12651 of 83
Strong windRelatively High 96.41114 of 3,12612 of 83
TornadoRelatively Moderate 80.41617 of 3,12622 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$222,536$6.97 $25$22 2,287 of 3,12672 of 83
Strong wind$2,021,651$63 $34$20 597 of 3,12125 of 83
Tornado$3,894,394$122 $95$199 1,978 of 3,14439 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 Muskegon County

  • FEMA expects hail in Muskegon County to cost $6.97 per $1 million of buildings a year: 0.31 times the U.S. median and 0.28 times the MI county median, ranked 2,287th of 3,126 counties nationally and 72nd of 83 in Michigan.
  • FEMA expects strong wind in Muskegon County to cost $63 per $1 million of buildings a year: 3.11 times the U.S. median and 1.87 times the MI county median, ranked 597th of 3,121 counties nationally and 25th of 83 in Michigan.
  • FEMA expects tornado in Muskegon County to cost $122 per $1 million of buildings a year: 0.61 times the U.S. median and 1.29 times the MI county median, ranked 1,978th of 3,144 counties nationally and 39th of 83 in Michigan.
  • NOAA has only 8 hail reports for Muskegon County in 12 years, too few for a trend; FEMA's 41 counted hail events cover a longer record.
  • Applying FEMA's estimate to a $180,900 home, the average yearly loss in Muskegon County is about $1.26 for hail and $11 for wind before any deductible; at the U.S. median county rates it would be $4.04 and $3.69.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Muskegon County meets about 10.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1968, the median home in Muskegon County is 58 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 85.4% of its 74,969 homes are at least 26 years old.
  • March to June holds 4 of the 8 hail reports in Muskegon County (50 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 Muskegon 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.

$1.26hail, a year; $4.04 at the U.S. median county rate
$11strong wind, a year; $3.69 at the U.S. median county rate
$254hail and wind together over 20 years, at today’s rate

Formula: home value × Muskegon County yearly loss ÷ building value. Hail: $222,536 ÷ $31,925,861,628 = 0.0000070. Wind: $2,021,651 ÷ $31,925,861,628 = 0.0000633. 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.

Muskegon County in plain numbers

  • Muskegon County scores 70.10 in FEMA's overall hazard index (Relatively Low): 941st of 3,144 rated counties and 21st of 83 in Michigan.
  • Hail scores 51.11 (Relatively Low). FEMA expects $222,536 of hail damage to buildings in Muskegon County a year, which is $6.97 per $1 million of buildings, 0.31 times the U.S. median.
  • Strong wind scores 96.41 (Relatively High) with $2,021,651 of expected yearly building loss in Muskegon County: $63 per $1 million of buildings, 3.11 times the U.S. median.
  • Tornado scores 80.41 (Relatively Moderate) and FEMA's expected yearly tornado loss is $3,894,394, counting everything exposed, or $122 per $1 million of buildings in Muskegon County.
  • FEMA's own event record for Muskegon County averages 1.03 hail events and 1.77 strong-wind events a year.
  • NOAA logged 8 hail reports in Muskegon County between 2014 and June 2026, on 6 days with stones of 1 inch or more; the largest was 1.75 inches.
  • In Muskegon County, FEMA counts buildings worth 31.93 billion dollars and 175,775 residents.
  • Social vulnerability is Relatively Moderate in Muskegon County.
  • Community resilience there is Very High, for 175,775 residents.
  • 1 city in Muskegon County is covered on this site: Muskegon. 14 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 Muskegon is $6,510 to $14,415.
  • Muskegon County ranks 151 of the 194 counties with a page here for hail loss per $1 million of buildings, 13 for wind and 141 for tornado.
  • In Muskegon County, April is the busiest month with 2 of the 8 reports (25 percent), against 0 reports in October.
  • Muskegon County's worst year was 2024, with 1 hail day at 1 inch or more and 2 reports. At the 2014 to 2025 pace that is 0.50 such days a year, one about every 24.0 months.
  • The median home in Muskegon County was built in 1968; 65.0% of its 74,969 housing units date from before 1980, 85.4% from before 2000 and 4.4% from 2010 on.
  • Census puts the median home value in Muskegon County at $180,900, and 78.3% of homes are lived in by their owners.
  • 3,319 single-family building permits were issued in Muskegon County from 2014 to 2025, about 44.3 per 1,000 homes, peaking in 2025.
  • The fastest gust in NOAA's records for Muskegon County is 85 mph on April 12, 2014 at Muskegon Hgts.
  • The nearest county with a page here is Kent County, 34 miles from the centre of Muskegon County; its hail score is 73.44.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 11 roofing contractor establishments in Muskegon County in 2023, one for every 6,815 homes.

The hail record of Muskegon County, year by year

NOAA logged 8 reports in Muskegon County; hail of 1 inch or more fell on 6 days. With so few reports the yearly bars below are small numbers, and a single storm moves them.

Muskegon 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 inch142015: 1 reports, 1 days at 1 inch or more, largest 1 inch152016: 0 reports, 0 days at 1 inch or more, largest 0 inch162017: 0 reports, 0 days at 1 inch or more, largest 0 inch172018: 0 reports, 0 days at 1 inch or more, largest 0 inch182019: 1 reports, 1 days at 1 inch or more, largest 1.75 inch192020: 1 reports, 1 days at 1 inch or more, largest 1.75 inch202021: 1 reports, 1 days at 1 inch or more, largest 1 inch212022: 0 reports, 0 days at 1 inch or more, largest 0 inch222023: 1 reports, 0 days at 1 inch or more, largest 0.88 inch232024: 2 reports, 1 days at 1 inch or more, largest 1 inch242025: 0 reports, 0 days at 1 inch or more, largest 0 inch252026: 0 reports, 0 days at 1 inch or more, largest 0 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Muskegon County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 0 reports0FebMarch: 0 reports0MarApril: 2 reports2AprMay: 1 reports1MayJune: 1 reports1JunJuly: 0 reports0JulAugust: 2 reports2AugSeptember: 1 reports1SepOctober: 0 reports0OctNovember: 1 reports1NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: April, 2 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
20141101 in–
20151101 in$5,000
20191111.75 in$25,000
20201111.75 in$500,000
20211101 in–
20231000.88 in–
20242101 in–

Biggest hail days in Muskegon County

DateLargest stoneReports that dayDamage reportedNear
August 29, 20191.75 in1$25,000Twin Lake
April 7, 20201.75 in1$500,000Whitehall
April 12, 20141 in1none recordedNorth Muskegon
August 2, 20151 in1$5,000Muskegon Lake
September 12, 20211 in1none recordedMuskegon Lake

Where large hail was reported

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

Reported hail locations, Muskegon County

1 in hail1 in hail1 in hail1 in hail1.75 in hail1.75 in hail Muskegon
  • 41 to 1.74 in
  • 21.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 1.75 in. Bigger dots are bigger stones.

6 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 Muskegon County

Fastest gusts in Muskegon County

DateGustNear
April 12, 201485 mphMuskegon Hgts
June 10, 202081 mphRavenna
July 23, 202272 mphMuskegon Hgts
May 15, 202572 mphNorton Shrs

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 Muskegon County’s 2014 to 2025 pace of 0.50 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Muskegon 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: 16.1% of homes16.1%<1940461940s: 10.4% of homes10.4%1940s401950s: 14.9% of homes14.9%1950s361960s: 10.3% of homes10.3%1960s301970s: 13.4% of homes13.4%1970s261980s: 7.4% of homes7.4%1980s201990s: 13.0% of homes13%1990s162000s: 10.2% of homes10.2%2000s102010s: 4.0% of homes4%2010s62020+: 0.4% of homes0.4%2020+2

Bars: share of 74,969 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 built1968
Built before 198065.0%
Built before 200085.4%
Built since 20104.4%
Owner-occupied78.3%
Median home value$180,900
Single-family permits, 2014 to 20253,319
Permits per 1,000 homes44.3

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 Muskegon County

Roofing firms in Muskegon County

Roofing contractor establishments, 202311
Change since 2016+6 (+120%)
Homes per roofing firm6,815
Median across counties5,189
Employees, 2023138

Source for Muskegon 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 Muskegon County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Kent County, MI34 Relatively Moderate $5.560.80$290.4518
Kalamazoo County, MI79 Relatively Moderate $10515.07$350.5514
Calhoun County, MI92 Relatively Low $588.32$871.378
Ingham County, MI101 Relatively Moderate $395.54$871.3717
Saginaw County, MI105 Relatively Moderate $263.74$731.1521
Genesee County, MI124 Relatively Moderate $213.02$530.8421

More Michigan counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Muskegon 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. 14 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Muskegon 49401 (0%), 49428 (0%), 49403 (7%), 49655 (0%) Roofers

Storm hit your roof in Muskegon 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 Muskegon County?

FEMA's National Risk Index gives Muskegon County an overall score of 70.10 (Relatively Low), 941st of 3,144. Hail scores 51.11 (Relatively Low), strong wind 96.41 (Relatively High) and tornado 80.41 (Relatively Moderate).

In Muskegon 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 Muskegon County between 2014 and June 2026, on 6 days with hail of 1 inch or more; the largest stone was 1.75 inches.

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

Applying FEMA's county rates to its median home value of $180,900: FEMA's estimate is about $1.26 a year for hail and $11 for wind, before any deductible, against $4.04 and $3.69 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 Muskegon County compare with the rest of Michigan?

Per $1 million of buildings Muskegon County loses $6.97 to hail a year, against $25 in the median county of the state. Among 83 rated counties it is 51st for hail, 12th for strong wind and 22nd for tornado.

How old are the roofs in Muskegon County?

The median home was built in 1968, 58 years ago, and 85.4% of the 74,969 housing units in Muskegon 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 Muskegon County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Muskegon County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Muskegon County; Census County Business Patterns, roofing firms in Muskegon County. Planning-level information about Muskegon 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).