Power Plants in Michigan

Weather peril risk for Michigan projects

83 Michigan counties carry a FEMA National Risk Index hazard profile. Heat wave is the leading peril in 35 of them, and Ogemaw County ranks highest for modeled catastrophe exposure at 4.8 of 5.

Michigan counties ranked by modeled catastrophe exposure

What this means for insurance placement in Michigan

35 of 83 assessed Michigan counties flag as Constrained or Difficult on the modeled insurability signal, which is where percentage hail and named windstorm deductibles, and any sublimit discussion, tend to start. The signal is a screening output, not a carrier decision.

Score a Michigan county for hail, wind and flood exposure in the weather risk calculator

Data source and vintage

• FEMA rating, national percentile and events per year are reported by the FEMA National Risk Index for the county.
• Exposure score is derived by Bywatts as the national percentile of the county's modeled solar loss rate, so a 5 is the worst national quintile. Band and insurability signal are Bywatts screening outputs, not carrier decisions.

Modeled estimate for screening and negotiation. Built from FEMA National Risk Index county hazard data and a solar vulnerability layer documented above. Not a quote, a binder, or actuarial advice, and not a substitute for a carrier's own model. Hazard data: FEMA National Risk Index December 2025, synced 2026-07-24. Resolution is county level, not site level. The solar vulnerability layer that turns FEMA building loss into modeled solar loss was derived by Bywatts and revised on physical reasoning. It has not been reviewed by a practising underwriter.