Flood risk in Michigan
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
66
of 72 reporting
Total NFIP claims
2,657
Total claims paid
$47,524,953
Active policies
2,757
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Midland County6.96 / 1k
- 2.Arenac County4.25 / 1k
- 3.Osceola County2.70 / 1k
- 4.Lake County2.64 / 1k
- 5.St. Clair County2.24 / 1k
- 6.Saginaw County2.15 / 1k
- 7.Monroe County2.14 / 1k
- 8.Newaygo County2.00 / 1k
- 9.Barry County1.85 / 1k
- 10.Iosco County1.82 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Dickinson County0.00 / 1k
- 2.Sanilac County0.00 / 1k
- 3.Lapeer County0.03 / 1k
- 4.Montcalm County0.04 / 1k
- 5.Emmet County0.07 / 1k
- 6.Houghton County0.07 / 1k
- 7.Wexford County0.08 / 1k
- 8.Cheboygan County0.09 / 1k
- 9.Shiawassee County0.11 / 1k
- 10.Lenawee County0.16 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- County680 claims · low
- County239 claims · moderate
- County168 claims · moderate
- County157 claims · low
- County148 claims · moderate
- County133 claims · moderate
- County128 claims · low
- County121 claims · low
- County86 claims · low
- County65 claims · low
- County57 claims · low
- County51 claims · moderate
- County50 claims · low
- County45 claims · moderate
- County40 claims · low
- County38 claims · moderate
- County35 claims · low
- County27 claims · moderate
- County27 claims · low
- County26 claims · low
- County24 claims · moderate
- County21 claims · low
- County21 claims · moderate
- County21 claims · low
- County17 claims · low
- County16 claims · low
- County15 claims · moderate
- County15 claims · low
- County14 claims · low
- County12 claims · moderate
- County11 claims · low
- County11 claims · moderate
- County11 claims · low
- County10 claims · low
- County9 claims · low
- County9 claims · low
- County9 claims · low
- County7 claims · low
- County6 claims · low
- County6 claims · low
- County6 claims · low
- County5 claims · low
- County5 claims · low
- County4 claims · low
- County4 claims · low
- County4 claims · low
- County4 claims · low
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County2 claims · low
- County2 claims · low
- County2 claims · low
- County2 claims · low
- County2 claims · low
- County2 claims · low
- County1 claims · low
- County1 claims · low
- County1 claims · low
- County1 claims · low
- County1 claims · low
- County1 claims · low
- County0 claims · low
- County0 claims · low
- County0 claims · low
- County0 claims · low
- County0 claims · low
- County0 claims · low
How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.