Highest climate-risk ZIP codes in Michigan
Top 25 highest FEMA NRI climate-risk counties in Michigan (one representative ZIP per county). #1 is 48180 (Taylor) at score 99.0. Compare hazard exposure on US5.
FEMA’s National Risk Index is published at the county level on US5, so every ZIP in the same county shares the same composite score. This board shows one representative ZIP per county (the most populous code in that county) ranked by NRI — a relative signal of natural-hazard exposure for planning and insurance context.
Highest county scores on this board: Wayne County (48180) at 99.0; Oakland County (48307) at 97.5; Macomb County (48044) at 96.7.
Open a representative ZIP for flood, wildfire, and hurricane component scores, plus a plain-language risk summary.
Open any ZIP for a full demographics, income, and housing profile, or return to the Michigan state page for the complete ZIP table.
Ranked counties (representative ZIP)
FEMA NRI is county-level data. Each row shows the most populous ZIP in that county as a representative entry.
| # | ZIP | City | County | NRI risk score | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 48180 | Taylor | Wayne County | 99.0 | 62,405 | $59,537 | $141,200 |
| 2 | 48307 | Rochester Hills | Oakland County | 97.5 | 44,267 | $105,118 | $329,400 |
| 3 | 48044 | — | Macomb County | 96.7 | 58,631 | $115,664 | $349,400 |
| 4 | 49508 | Kentwood | Kent County | 92.2 | 41,924 | $65,328 | $257,900 |
| 5 | 48439 | Grand Blanc | Genesee County | 92.2 | 52,071 | $88,505 | $250,800 |
| 6 | 48197 | Ypsilanti | Washtenaw County | 89.3 | 65,911 | $70,913 | $274,100 |
| 7 | 48601 | Saginaw | Saginaw County | 88.5 | 32,069 | $37,830 | $54,900 |
| 8 | 48823 | East Lansing | Ingham County | 87.2 | 49,379 | $50,837 | $261,100 |
| 9 | 49424 | Beechwood | Ottawa County | 82.9 | 48,995 | $82,353 | $270,000 |
| 10 | 48162 | Monroe | Monroe County | 82.5 | 28,275 | $68,801 | $192,200 |
| 11 | 48060 | Port Huron | St. Clair County | 82.0 | 39,502 | $51,342 | $152,000 |
| 12 | 49120 | Niles | Berrien County | 81.7 | 36,652 | $61,940 | $166,800 |
| 13 | 49009 | Kalamazoo | Kalamazoo County | 81.7 | 47,606 | $82,364 | $330,300 |
| 14 | 48706 | Bay City | Bay County | 78.2 | 38,756 | $61,908 | $142,300 |
| 15 | 49201 | Napoleon | Jackson County | 76.5 | 49,114 | $71,714 | $202,900 |
| 16 | 49015 | Battle Creek | Calhoun County | 74.5 | 29,013 | $67,719 | $171,000 |
| 17 | 48843 | Howell | Livingston County | 73.5 | 46,902 | $91,620 | $323,100 |
| 18 | 48723 | Caro | Tuscola County | 73.1 | 11,960 | $56,618 | $131,300 |
| 19 | 48642 | Midland | Midland County | 71.9 | 33,770 | $77,690 | $194,100 |
| 20 | 48422 | Croswell | Sanilac County | 70.3 | 6,172 | $57,078 | $162,000 |
| 21 | 49442 | Muskegon | Muskegon County | 70.1 | 44,412 | $50,069 | $116,100 |
| 22 | 49221 | Adrian | Lenawee County | 69.9 | 41,041 | $57,316 | $158,700 |
| 23 | 49307 | Big Rapids | Mecosta County | 69.8 | 18,063 | $54,803 | $179,600 |
| 24 | 49855 | Marquette | Marquette County | 69.8 | 33,199 | $62,321 | $245,100 |
| 25 | 49423 | Holland | Allegan County | 68.5 | 46,693 | $78,524 | $254,800 |
Frequently asked questions
Which areas in Michigan have the highest climate or disaster risk?
FEMA NRI scores are county-level on US5. Wayne County ranks near the top at 99.0 (representative ZIP 48180). Higher scores indicate greater relative natural-hazard exposure.
How does US5 rank ZIP codes in Michigan?
We rank one representative ZIP per county (highest population in the county) by FEMA NRI composite score from high to low. NRI is county-level data, so all ZIPs in a county share the same score.
Where can I explore all ZIP codes in Michigan?
Visit the Michigan state page for the full ZIP table, demographics summary, and sortable income/housing columns.