Otsego, MI (ZIP 49078) has a moderate disaster history with 28 recorded events. These include 11 hailstorms, 8 tornadoes, and 5 floods. Total documented property damage amounts to $10.1M.
Hailstorms represent the most common natural hazard in this area, accounting for 39% of all recorded events (11 total). Hail-related events have caused a combined $590K in documented property damage. The most recent recorded hailstorm occurred on Mar 31, 2023.
Otsego has experienced 8 tornadoes on record. One event reached severity level 4 or 5 on the normalized scale. The highest recorded severity for tornado-related events here is 4/5 (severe). Tornado-related events have caused a combined $2.7M in documented property damage. The most recent recorded tornado occurred on May 15, 2025.
Otsego has experienced 5 floods on record. Of these, 4 (80%) were rated at severity level 4 or 5 — the most intense on the normalized scale. The highest recorded severity for flood-related events here is 5/5 (extreme). Flood-related events have caused a combined $6.4M in documented property damage. The most recent recorded flood occurred on Apr 17, 2013.
Otsego has experienced 4 blizzards on record. Of these, 4 (100%) were rated at severity level 4 or 5 — the most intense on the normalized scale. The highest recorded severity for winter storm events here is 5/5 (extreme). Winter storm events have caused a combined $375K in documented property damage. The most recent recorded blizzard occurred on Feb 22, 2023.
The most significant disaster event on record for Otsego was Flood on Apr 17, 2013, which caused $5M in property damage. Another major event was EF3 Tornado (Apr 3, 1956), causing $2.5M in damages. Flood on May 21, 2004 also caused significant damage ($1.2M).
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Based on federal and state records, ZIP code 49078 has experienced 28 natural disaster events. The hazard types affecting this area include hailstorms (11 events), tornadoes (8 events), floods (5 events), and blizzards (4 events). The primary hazard is hailstorms, which account for 39% of all recorded events.
Hailstorms are the most frequently recorded hazard in Otsego, MI, with 11 events documented. These events have caused a combined $590K in property damage.
Yes, Otsego (ZIP 49078) has 5 recorded flood events. These floods have caused $6.4M in total property damage. The most recent flood on record occurred on Apr 17, 2013.
Otsego has 8 recorded tornado events in the historical record. The strongest tornado recorded reached severity level 4/5 on the normalized scale. Total property damage from tornadoes in this area is $2.7M. The most recent tornado was recorded on May 15, 2025.
The most damaging natural disaster on record for ZIP code 49078 was Flood, which occurred on Apr 17, 2013. This event caused $5M in documented property damage. It was rated at severity level 5/5.
Natural disasters have caused a documented total of $10.1M in property damage in the Otsego, MI area (ZIP 49078). This figure is based on historical records from FEMA, NOAA Storm Events Database, and USGS, and covers events from the 1950s through the present. Actual damages may be higher, as not all events have complete damage assessments.
Data sourced from FEMA (disaster declarations, NFIP flood claims), NOAA Storm Events Database, USGS Earthquake Hazards Program, and NIFC wildfire records. Historical coverage varies by source, with most records beginning in the 1950s–1970s. Full methodology →