Storm risk in Saginaw County, Michigan

FEMA's overall hazard score for Saginaw County is 88.55 (Relatively Moderate), 361st of 3,144 counties. Hail scores 85.97 (Relatively Moderate), strong wind 97.17 (Relatively High) and tornado 93.29 (Relatively High). Expected hail loss is $26 per $1 million of buildings a year; NOAA logged 21 hail reports in Saginaw County from 2014 to June 2026.

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

Saginaw 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: $26 per $1 million, 1,441st of 3,126 rated counties$26Hail1,441st of 3,126 countiesStrong wind: $73 per $1 million, 481st of 3,121 rated counties$73Strong wind481st of 3,121 countiesTornado: $223 per $1 million, 1,422nd of 3,144 rated counties$223Tornado1,422nd of 3,144 counties
  • Saginaw County, coloured by its FEMA rating
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  • 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 Saginaw County

HazardRatingScore (0 to 100)Rank in U.S.Rank in MI
OverallRelatively Moderate 88.55361 of 3,1447 of 83
HailRelatively Moderate 85.97442 of 3,12612 of 83
Strong windRelatively High 97.1790 of 3,12611 of 83
TornadoRelatively High 93.29212 of 3,12610 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$1,072,905$26 $25$22 1,441 of 3,12640 of 83
Strong wind$2,991,329$73 $34$20 481 of 3,12120 of 83
Tornado$9,183,903$223 $95$199 1,422 of 3,14419 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 Saginaw County

  • FEMA expects hail in Saginaw County to cost $26 per $1 million of buildings a year: 1.17 times the U.S. median and 1.05 times the MI county median, ranked 1,441st of 3,126 counties nationally and 40th of 83 in Michigan.
  • FEMA expects strong wind in Saginaw County to cost $73 per $1 million of buildings a year: 3.57 times the U.S. median and 2.15 times the MI county median, ranked 481st of 3,121 counties nationally and 20th of 83 in Michigan.
  • FEMA expects tornado in Saginaw County to cost $223 per $1 million of buildings a year: 1.12 times the U.S. median and 2.36 times the MI county median, ranked 1,422nd of 3,144 counties nationally and 19th of 83 in Michigan.
  • Applying FEMA's estimate to a $139,400 home, the average yearly loss in Saginaw County is about $3.63 for hail and $10 for wind before any deductible; at the U.S. median county rates it would be $3.12 and $2.84.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Saginaw County meets about 8.3 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 Saginaw 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); 88.7% of its 86,134 homes are at least 26 years old.
  • March to June holds 3 of the 21 hail reports in Saginaw County (14 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 Saginaw 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.

$3.63hail, a year; $3.12 at the U.S. median county rate
$10strong wind, a year; $2.84 at the U.S. median county rate
$275hail and wind together over 20 years, at today’s rate

Formula: home value × Saginaw County yearly loss ÷ building value. Hail: $1,072,905 ÷ $41,172,072,805 = 0.0000261. Wind: $2,991,329 ÷ $41,172,072,805 = 0.0000727. 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.

Saginaw County in plain numbers

  • Saginaw County scores 88.55 in FEMA's overall hazard index (Relatively Moderate): 361st of 3,144 rated counties and 7th of 83 in Michigan.
  • Hail scores 85.97 (Relatively Moderate). FEMA expects $1,072,905 of hail damage to buildings in Saginaw County a year, which is $26 per $1 million of buildings, 1.17 times the U.S. median.
  • Strong wind scores 97.17 (Relatively High) with $2,991,329 of expected yearly building loss in Saginaw County: $73 per $1 million of buildings, 3.57 times the U.S. median.
  • Tornado scores 93.29 (Relatively High) and FEMA's expected yearly tornado loss is $9,183,903, counting everything exposed, or $223 per $1 million of buildings in Saginaw County.
  • FEMA's own event record for Saginaw County averages 2.31 hail events and 4.39 strong-wind events a year.
  • NOAA logged 21 hail reports in Saginaw County between 2014 and June 2026, on 7 days with stones of 1 inch or more; the largest was 2 inches.
  • In Saginaw County, FEMA counts buildings worth 41.17 billion dollars and 190,067 residents.
  • Social vulnerability is Relatively Moderate in Saginaw County.
  • Community resilience there is Very High, for 190,067 residents.
  • 1 city in Saginaw County is covered on this site: Saginaw. 19 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 Saginaw is $6,510 to $14,415.
  • Saginaw County ranks 99 of the 194 counties with a page here for hail loss per $1 million of buildings, 11 for wind and 94 for tornado.
  • In Saginaw County, August is the busiest month with 10 of the 21 reports (48 percent), against 1 report in February.
  • Saginaw County's worst year was 2021, with 2 hail days at 1 inch or more and 5 reports. At the 2014 to 2025 pace that is 0.42 such days a year, one about every 28.8 months.
  • The median home in Saginaw County was built in 1968; 72.1% of its 86,134 housing units date from before 1980, 88.7% from before 2000 and 3.2% from 2010 on.
  • Census puts the median home value in Saginaw County at $139,400, and 73.5% of homes are lived in by their owners.
  • 1,780 single-family building permits were issued in Saginaw County from 2014 to 2025, about 20.7 per 1,000 homes, peaking in 2017.
  • NOAA lists 7 tornado tracks in Saginaw County since 2014; the strongest was an EF1 on June 11, 2014 near Brant, 5.3 miles long.
  • The fastest gust in NOAA's records for Saginaw County is 70 mph on July 27, 2014 at Fergus.
  • The nearest county with a page here is Genesee County, 29 miles from the centre of Saginaw County; its hail score is 91.13.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 11 roofing contractor establishments in Saginaw County in 2023, one for every 7,830 homes.

The hail record of Saginaw County, year by year

NOAA logged 21 reports in Saginaw County; hail of 1 inch or more fell on 7 days. That is 0.4 such days a year; the median county in NOAA’s file has 1.8.

Saginaw County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more02468102014: 1 reports, 0 days at 1 inch or more, largest 0.88 inch142015: 9 reports, 1 days at 1 inch or more, largest 1.75 inch152016: 0 reports, 0 days at 1 inch or more, largest 0 inch162017: 1 reports, 0 days at 1 inch or more, largest 0.88 inch172018: 0 reports, 0 days at 1 inch or more, largest 0 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 1 reports, 1 days at 1 inch or more, largest 1 inch202021: 5 reports, 2 days at 1 inch or more, largest 2 inch212022: 0 reports, 0 days at 1 inch or more, largest 0 inch222023: 1 reports, 1 days at 1 inch or more, largest 1 inch232024: 0 reports, 0 days at 1 inch or more, largest 0 inch242025: 0 reports, 0 days at 1 inch or more, largest 0 inch252026: 3 reports, 2 days at 1 inch or more, largest 1.25 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Saginaw County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 1 reports1FebMarch: 0 reports0MarApril: 0 reports0AprMay: 2 reports2MayJune: 1 reports1JunJuly: 1 reports1JulAugust: 10 reports10AugSeptember: 5 reports5SepOctober: 1 reports1OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: August, 10 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
20141000.88 in–
20159111.75 in–
20171000.88 in–
20201101 in–
20215212 in–
20231101 in–
2026 (to June)3201.25 in–

Biggest hail days in Saginaw County

DateLargest stoneReports that dayDamage reportedNear
September 12, 20212 in4none recordedBrant
August 2, 20151.75 in9none recordedFordney
May 17, 20261.25 in2none recordedFreeland
October 23, 20201 in1none recordedSt Charles
September 14, 20211 in1none recordedBirch Run

Where large hail was reported

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

Reported hail locations, Saginaw County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.25 in hail1.75 in hail1.75 in hail1.75 in hail2 in hail Saginaw
  • 111 to 1.74 in
  • 41.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 2 in. Bigger dots are bigger stones.

15 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 Saginaw County

Fastest gusts in Saginaw County

DateGustNear
July 27, 201470 mphFergus
June 17, 201770 mphFenmore
June 10, 202069 mph(Mbs)Tri City Apt Sa
June 10, 202668 mphSaginaw

Strongest tornado tracks in Saginaw County

DateScaleLengthInjured / killedNear
June 9, 2026EF11.43 mi0 / 0Freeland
April 14, 2026EF13.68 mi0 / 0Alicia
June 11, 2014EF15.3 mi0 / 0Brant
April 14, 2026EF00.6 mi0 / 0Buena Vista

7 tornado tracks in all since 2014; the strongest 4 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 Saginaw County’s 2014 to 2025 pace of 0.42 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Saginaw 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: 17.0% of homes17%<1940381940s: 5.9% of homes5.9%1940s341950s: 15.8% of homes15.8%1950s301960s: 15.0% of homes15%1960s251970s: 18.3% of homes18.3%1970s211980s: 7.7% of homes7.7%1980s171990s: 8.9% of homes8.9%1990s132000s: 8.1% of homes8.1%2000s92010s: 2.8% of homes2.8%2010s52020+: 0.4% of homes0.4%2020+1

Bars: share of 86,134 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 198072.1%
Built before 200088.7%
Built since 20103.2%
Owner-occupied73.5%
Median home value$139,400
Single-family permits, 2014 to 20251,780
Permits per 1,000 homes20.7

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 Saginaw County

Roofing firms in Saginaw County

Roofing contractor establishments, 202311
Change since 2016-1 (-8%)
Homes per roofing firm7,830
Median across counties5,189
Employees, 202397

Source for Saginaw 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 Saginaw County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Genesee County, MI29 Relatively Moderate $210.81$530.7321
Ingham County, MI55 Relatively Moderate $391.48$871.1917
Washtenaw County, MI76 Relatively Moderate $150.59$510.7069
Kent County, MI80 Relatively Moderate $5.560.21$290.3918
Calhoun County, MI91 Relatively Low $582.22$871.198
Muskegon County, MI105 Relatively Low $6.970.27$630.878

More Michigan counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Saginaw 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. 19 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Saginaw 48603 (100%), 48607 (100%), 48612 (0%), 48629 (0%), 48635 (0%) Roofers

Storm hit your roof in Saginaw 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 Saginaw County?

FEMA's National Risk Index gives Saginaw County an overall score of 88.55 (Relatively Moderate), 361st of 3,144. Hail scores 85.97 (Relatively Moderate), strong wind 97.17 (Relatively High) and tornado 93.29 (Relatively High).

In Saginaw 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 21 for Saginaw County between 2014 and June 2026, on 7 days with hail of 1 inch or more; the largest stone was 2 inches.

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

Applying FEMA's county rates to its median home value of $139,400: FEMA's estimate is about $3.63 a year for hail and $10 for wind, before any deductible, against $3.12 and $2.84 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 Saginaw County compare with the rest of Michigan?

Per $1 million of buildings Saginaw County loses $26 to hail a year, against $25 in the median county of the state. Among 83 rated counties it is 12th for hail, 11th for strong wind and 10th for tornado.

How old are the roofs in Saginaw County?

The median home was built in 1968, 58 years ago, and 88.7% of the 86,134 housing units in Saginaw 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 Saginaw County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Saginaw County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Saginaw County; Census County Business Patterns, roofing firms in Saginaw County. Planning-level information about Saginaw 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).