Otsego County, MI
Composite Insurance Risk Score: 67.5 / 100 (National rank: #491)
Axis Scores
Climate Safety
81.6
Insurance Affordability
77.4
Housing Affordability
38.5
Community Resilience
59.1
Social Resilience
55.5
Housing Stability
64.8
Key Metrics
| Annual Insurance Premium (state avg) | $1,300 |
| Insurance Burden (% of income) | 1.91% |
| Price-to-Income Ratio | 3.22 |
| FEMA Risk Score (0-100) | 18.4 |
Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).