NOAA STORM DATABASE

Michigan Severe Weather & Home Insurance Context

Recent official NOAA Storm Events records summarized for insurance-cost research.

NOAA events4,623

Recorded property damage$680,307,800

Modeled insurance benchmark$1,476

Most common recorded event types

Thunderstorm Wind (1,591), Winter Storm (889), Winter Weather (524), Hail (515), High Wind (197), Cold/Wind Chill (163), Tornado (108), Blizzard (98)

Storm-event counts and FEMA risk scores are not insurance claims and should not be interpreted as a direct carrier pricing formula.