States › Michigan › St. Joseph County
St. Joseph County, Michigan
Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.
St. Joseph County, Michigan, has 497 weather events in the NCEI Storm Events record since 1950, most of them damaging wind.
That is 99.3 events per 100 square miles, above the Michigan figure of 64.2, and 81.8 per 10,000 residents against 36.1 statewide.
22 events fall in the 12 months to 30 Jun 2026. NCEI attributes 6 deaths and 19 injuries to events in the county, with property damage estimated at $3.4M.
FEMA has designated the county in 8 federal disaster declarations since 1953; the most recent is Covid-19 Pandemic (major disaster, 27 Mar 2020).
National Flood Insurance Program policyholders in the county filed 110 claims since 1978, of which 84 were paid, totalling $1.6M (about $19K per paid claim). FEMA counts 84 residential flood policies in force.
FEMA's National Risk Index rates the county's overall risk as "Relatively Low" and its expected annual loss as "Relatively Low" ($19M a year across 18 hazards).
4 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 0 of them within 50 miles at hurricane strength.
Compared with Michigan and the United States
| Measure | St. Joseph County | Michigan | US |
|---|---|---|---|
| Recorded events since 1950 | 497 | 36,322 | 1,977,440 |
| Events per 100 square miles | 99.3 | 64.2 | 56.0 |
| Events per 10,000 residents | 81.8 | 36.1 | 59.6 |
| Events in the last 12 months | 22 | 1,078 | 62,008 |
| Deaths recorded by NCEI | 6 | 451 | 26,435 |
| Property damage (NCEI estimates) | $3.4M | $6.7B | $575B |
| NFIP claims per 1,000 residents | 1.8 | 1.5 | 8.1 |
| Average paid NFIP claim | $19K | $15K | $43K |
| Claims per 100 policies in force, last 10 years | 33.3 | 21.2 | 16.1 |
County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.
Events by decade
Trend: 293 events in the 20 years to 2025 against 142 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.
Events by type
Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.
Largest recorded events
| Date | Event type | Group | Magnitude | Property damage | Crop damage | Deaths | Injuries | Geography |
|---|---|---|---|---|---|---|---|---|
| 21 Jan 2018 | Dense Fog | Fog | — | — | — | 1 | 2 | Forecast zone |
| 21 May 2004 | Thunderstorm Wind | Wind | 75 mph | $10K | — | 1 | — | County |
| 21 May 2004 | Thunderstorm Wind | Wind | 75 mph | $10K | — | 1 | — | County |
| 5 Aug 1989 | Thunderstorm Wind | Wind | 0 mph | — | — | 1 | — | County |
| 27 Mar 1991 | Thunderstorm Wind | Wind | 0 mph | — | — | 1 | — | County |
| 2 Jun 2006 | Lightning | Lightning | — | — | — | 1 | — | County |
| 6 Mar 2026 | Tornado | Tornado | EF2 | — | — | — | 10 | County |
| 16 Jun 2024 | Thunderstorm Wind | Wind | 60 mph | $20K | — | — | 2 | County |
| 24 Oct 2001 | Tornado | Tornado | F1 | $322K | — | — | 1 | County |
| 27 Jul 1997 | Lightning | Lightning | — | — | — | — | 1 | County |
| 13 Aug 2011 | Lightning | Lightning | — | — | — | — | 1 | County |
| 18 Jun 2014 | Lightning | Lightning | — | — | — | — | 1 | County |
| 7 May 2024 | Tornado | Tornado | EF2 | — | — | — | 1 | County |
| 20 Feb 2018 | Flood | Flood | — | $680K | — | — | — | County |
| 13 Sep 2008 | Flood | Flood | — | $500K | — | — | — | County |
| 5 Jun 2010 | Tornado | Tornado | EF2 | $300K | — | — | — | County |
| 10 Nov 1998 | Thunderstorm Wind | Wind | — | $150K | — | — | — | County |
| 25 Aug 1998 | Thunderstorm Wind | Wind | — | $100K | — | — | — | County |
| 24 Oct 2001 | Tornado | Tornado | F0 | $100K | — | — | — | County |
| 24 Oct 2001 | Tornado | Tornado | F1 | $100K | — | — | — | County |
Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.
Federal disaster declarations
| Declared | Number | Type | Incident | Title | Programs |
|---|---|---|---|---|---|
| 27 Mar 2020 | DR-4494 | Major disaster | Biological | Covid-19 Pandemic | Individual assistance, Public assistance |
| 13 Mar 2020 | EM-3455 | Emergency | Biological | Covid-19 | Public assistance |
| 7 Sep 2005 | EM-3225 | Emergency | Hurricane | Hurricane Katrina Evacuation | Public assistance |
| 30 Jun 2004 | DR-1527 | Major disaster | Severe Storm | Severe Storms, Tornadoes, And Flooding | Individual assistance |
| 10 Jan 2001 | EM-3160 | Emergency | Snowstorm | Snow | Public assistance |
| 27 Jan 1999 | EM-3137 | Emergency | Snowstorm | Mi - Severe Weather 1/2 /99 | Public assistance |
| 8 Sep 1980 | DR-631 | Major disaster | Flood | Severe Storms & Flooding | Public assistance |
| 27 Jan 1978 | EM-3057 | Emergency | Snowstorm | Blizzards & Snowstorms | Public assistance |
Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.
Flood insurance claims
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2020 | 3 | 3 | $82,781 | $27,594 |
| 2019 | 1 | 1 | $4,946 | $4,946 |
| 2018 | 24 | 22 | $913,229 | $41,510 |
| 2013 | 2 | 1 | $6,858 | $6,858 |
| 2009 | 5 | 3 | $87,523 | $29,174 |
| 2008 | 18 | 13 | $138,896 | $10,684 |
| 2007 | 2 | 1 | $4,180 | $4,180 |
| 2006 | 1 | 1 | $3,535 | $3,535 |
| 2001 | 7 | 2 | $2,411 | $1,206 |
| 1996 | 1 | 0 | $0 | — |
| 1990 | 1 | 0 | $0 | — |
| 1989 | 14 | 14 | $235,195 | $16,800 |
| 1987 | 1 | 1 | $2,175 | $2,175 |
| 1986 | 1 | 1 | $4,100 | $4,100 |
| 1985 | 9 | 5 | $62,012 | $12,402 |
| 1982 | 15 | 12 | $85,945 | $7,162 |
| 1981 | 1 | 1 | $1,057 | $1,057 |
| 1980 | 3 | 2 | $1,743 | $872 |
| 1978 | 1 | 1 | $509 | $509 |
OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).
National Risk Index
| Hazard (NRI) | Risk rating | Expected annual loss |
|---|---|---|
| Inland flooding | $11,364,666 | |
| Tornado | $1,879,378 | |
| Cold wave | $1,536,287 | |
| Strong wind | $1,354,315 | |
| Hail | $1,126,951 | |
| Lightning | $601,901 | |
| Earthquake | $441,741 | |
| Drought | $296,424 | |
| Heat wave | $155,520 | |
| Ice storm | $79,637 | |
| Winter weather | $53,340 | |
| Hurricane | $24,520 | |
| Wildfire | $5,590 | |
| Landslide | $2,177 |
FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.
Hurricane and tropical storm passes
| Storm | Year | Closest approach | Max wind while within 100 mi |
|---|---|---|---|
| Unnamed Atlantic storm | 1941 | 39 mi | 46 mph |
| Unnamed Atlantic storm | 1932 | 33 mi | 46 mph |
| Unnamed Atlantic storm | 1923 | 34 mi | 40 mph |
| Unnamed Atlantic storm | 1902 | 91 mi | 40 mph |
HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.
ZIP codes with flood claims
ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.
Questions and answers
How often does it hail in St. Joseph County, MI?
NCEI records 73 hail events in St. Joseph County since 1950, in 29 different years; that is about 0.9 recorded events a year. 21 reports were golf-ball size (1.75 in) or larger.
Has St. Joseph County had a tornado?
Yes. NCEI records 18 tornadoes in St. Joseph County since 1950, 8 of them rated (E)F2 or stronger. Tornado deaths recorded: 0.
When was the last federal disaster declaration for St. Joseph County?
27 Mar 2020: Covid-19 Pandemic, a major disaster declaration for biological. The county appears in 8 declarations since 1953.
How many flood insurance claims have been filed in St. Joseph County, and how much was paid?
110 NFIP claims since 1978, 84 of them paid, for $1.6M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.
Is St. Joseph County in the National Risk Index's high-risk band?
FEMA's National Risk Index (December 2025) rates the county "Relatively Low" for overall risk, "Relatively Low" for expected annual loss, "Relatively Moderate" for social vulnerability and "Relatively High" for community resilience. These ratings are FEMA's relative comparison across all US counties.
How does St. Joseph County compare with the rest of Michigan?
99.3 recorded events per 100 square miles against 64.2 statewide, and 1.8 NFIP claims per 1,000 residents against 1.5. The comparison table on this page shows each measure beside the state and national figures.
Provenance
Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.