Michigan flood insurance and flood history
From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 14,954 flood insurance claims in Michigan since 1978. The NFIP paid $150.4 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 1985, with 1,967, mostly from Flooding.
In the last ten years (2017–2026) there were 3,397 claims, and the average paid claim was $32,151.
30% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.4% of homes in Michigan had an NFIP flood policy in FEMA's latest count (16,036 of 3,919,085 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 18% (11,729 of 63,812).
Since 2000, FEMA has made 13 flood-related disaster declarations covering parts of Michigan. The most recent was DR-4925-MI (Severe Storms, Tornadoes, and Flooding), declared June 30, 2026.
Flood insurance claims in Michigan by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 272 | $7.2 million |
| 2025 | 54 | $875,942 |
| 2024 | 97 | $957,924 |
| 2023 | 292 | $5.2 million |
| 2022 | 47 | $445,579 |
| 2021 | 343 | $3.9 million |
| 2020 | 817 | $33.8 million |
| 2019 | 604 | $6.7 million |
| 2018 | 549 | $15.9 million |
| 2017 | 322 | $7.6 million |
| 2016 | 117 | $720,756 |
| 2015 | 97 | $439,994 |
| 2014 | 788 | $10.0 million |
| 2013 | 485 | $8.9 million |
| 2012 | 114 | $930,805 |
| 2011 | 292 | $2.1 million |
| 2010 | 74 | $307,027 |
| 2009 | 230 | $2.2 million |
| 2008 | 303 | $3.0 million |
| 2007 | 51 | $395,204 |
| 2006 | 85 | $463,916 |
| 2005 | 75 | $543,552 |
| 2004 | 545 | $5.9 million |
| 2003 | 43 | $43,143 |
| 2002 | 52 | $118,701 |
| 2001 | 213 | $1.6 million |
| 2000 | 245 | $698,877 |
| 1999 | 55 | $86,191 |
| 1998 | 347 | $2.4 million |
| 1997 | 276 | $1.7 million |
| 1996 | 188 | $1.2 million |
| 1995 | 26 | $96,150 |
| 1994 | 73 | $218,778 |
| 1993 | 53 | $320,076 |
| 1992 | 21 | $31,948 |
| 1991 | 54 | $525,219 |
| 1990 | 119 | $223,451 |
| 1989 | 143 | $725,524 |
| 1988 | 65 | $449,971 |
| 1987 | 251 | $468,998 |
| 1986 | 1,898 | $7.8 million |
| 1985 | 1,967 | $7.2 million |
| 1984 | 124 | $242,160 |
| 1983 | 318 | $801,054 |
| 1982 | 543 | $1.6 million |
| 1981 | 470 | $1.5 million |
| 1980 | 472 | $1.3 million |
| 1979 | 198 | $482,238 |
| 1978 | 87 | $248,326 |
Biggest flood events by NFIP payments
The flood events FEMA's claims data names most often for Michigan, ranked by what the NFIP paid. FEMA names events in its claims records; claims without an event name aren't included here.
| Event | Year | Claims | Paid |
|---|---|---|---|
| Flooding | 1985 | 1,748 | $6.7 million |
| 2026-04-Flooding | 2026 | 173 | $6.4 million |
| Flooding | 1986 | 857 | $5.9 million |
| Hurricane Ike | 2008 | 112 | $1.3 million |
| Flooding | 1981 | 283 | $982,024 |
What flood insurance costs in Michigan
On June 30, 2026, 19,132 NFIP flood insurance policies were in force in Michigan. For the 14,502 single-family homes among them, the typical (median) yearly cost was about $840; the average was $980.
| Rated flood zone | Policies | Typical yearly cost, single-family home | Average cost | Average building coverage |
|---|---|---|---|---|
| High-risk zones (A and V) | 13,991 | $860 | $1,030 | $177,000 |
| Moderate- and low-risk zones (B, C and X) | 5,127 | $740 | $840 | $210,000 |
Cost here is what FEMA's data lists as the policy cost: the premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. It covers single-family homes only (not condos, apartments or businesses), with costs rounded to the nearest $10 and shown only where at least 20 homes back the figure. Your own price depends on your building and the coverage you choose; see how flood insurance is priced. Private flood insurance isn't included.
Policies and average cost by exact flood zone
Flood history by county
Every Michigan county in FEMA's data, sorted by number of NFIP claims since 1978. "Insured" is the share of homes with an NFIP policy; "typical NFIP cost" is the median yearly cost for single-family homes.
| County | Claims | Paid | Insured | Typical NFIP cost | Flood declarations |
|---|---|---|---|---|---|
| Wayne County | 2,892 | $13.7 million | 0.5% | $710 | 5 |
| Monroe County | 1,672 | $9.9 million | 1.4% | $1,110 | 1 |
| Macomb County | 1,437 | $9.0 million | 0.5% | $840 | 4 |
| St. Clair County | 1,184 | $5.2 million | 2.0% | $790 | 1 |
| Saginaw County | 798 | $11.8 million | 1.1% | $910 | 5 |
| Kent County | 676 | $10.4 million | 0.3% | $860 | 3 |
| Oakland County | 582 | $5.5 million | 0.3% | $640 | 5 |
| Midland County | 547 | $28.0 million | 0.8% | $1,010 | 4 |
| Bay County | 515 | $2.5 million | 0.9% | $940 | 1 |
| Genesee County | 467 | $3.3 million | 0.2% | $840 | 1 |
| Ingham County | 397 | $2.4 million | 0.7% | $1,140 | 3 |
| Ottawa County | 336 | $3.4 million | 0.3% | $1,010 | 3 |
| Berrien County | 310 | $4.4 million | 0.4% | $1,090 | 1 |
| Kalamazoo County | 291 | $5.1 million | 0.2% | $710 | 1 |
| Barry County | 281 | $3.1 million | 0.5% | $940 | 4 |
| Newaygo County | 153 | $4.3 million | 0.4% | $1,410 | 3 |
| Eaton County | 149 | $702,759 | 0.5% | $1,290 | 4 |
| Tuscola County | 133 | $1.0 million | 0.4% | $1,110 | 1 |
| Washtenaw County | 133 | $1.6 million | 0.4% | $740 | 3 |
| Muskegon County | 131 | $841,802 | 0.1% | $1,040 | 3 |
| Livingston County | 128 | $992,482 | 0.3% | $910 | 2 |
| Arenac County | 119 | $2.1 million | 1.0% | $1,090 | 2 |
| St. Joseph County | 110 | $1.6 million | 0.3% | $1,290 | 1 |
| Iosco County | 81 | $841,440 | 1.0% | $760 | 2 |
| Allegan County | 69 | $1.3 million | 0.2% | $990 | 3 |
| Osceola County | 66 | $1.7 million | 0.4% | $990 | 3 |
| Mecosta County | 64 | $1.5 million | 0.3% | $1,410 | 2 |
| Shiawassee County | 62 | $106,288 | 1.1% | $690 | 1 |
| Calhoun County | 60 | $226,628 | 0.2% | $890 | 0 |
| Lenawee County | 60 | $345,027 | 0.1% | $1,090 | 0 |
| Grand Traverse County | 58 | $1.1 million | 0.3% | $940 | 1 |
| Huron County | 49 | $228,307 | 0.9% | $890 | 0 |
| Menominee County | 48 | $422,429 | 0.5% | $1,260 | 2 |
| Lake County | 46 | $1.2 million | 0.1% | n/a | 2 |
| Jackson County | 41 | $216,321 | 0.2% | $790 | 1 |
| Ionia County | 37 | $292,068 | 0.3% | $1,240 | 4 |
| Isabella County | 37 | $542,744 | 0.5% | $960 | 1 |
| Cheboygan County | 36 | $1.7 million | 0.3% | $1,210 | 1 |
| Gratiot County | 36 | $148,942 | 0.4% | $1,410 | 1 |
| Branch County | 33 | $605,836 | 0.4% | $1,040 | 0 |
| Gladwin County | 31 | $1.7 million | 0.2% | $810 | 4 |
| Van Buren County | 31 | $221,388 | 0.2% | $810 | 1 |
| Oceana County | 30 | $183,478 | 0.3% | $1,310 | 1 |
| Clinton County | 29 | $497,402 | 0.3% | $840 | 0 |
| Manistee County | 29 | $253,386 | 0.3% | $1,060 | 2 |
| Delta County | 28 | $312,618 | 0.2% | $940 | 0 |
| Lapeer County | 27 | $173,581 | 0.1% | $860 | 0 |
| Marquette County | 21 | $233,426 | 0.1% | $840 | 3 |
| Leelanau County | 20 | $122,136 | 0.7% | $910 | 0 |
| Alpena County | 17 | $57,294 | 0.3% | $1,140 | 1 |
| Wexford County | 16 | $615,518 | 0.3% | $760 | 2 |
| Alcona County | 15 | $72,276 | 0.2% | $840 | 1 |
| Cass County | 15 | $112,345 | 0.2% | $960 | 1 |
| Sanilac County | 14 | $112,828 | 0.1% | $1,010 | 1 |
| Hillsdale County | 13 | $184,327 | 0.1% | $1,010 | 0 |
| Mason County | 13 | $237,710 | 0.3% | $990 | 1 |
| Benzie County | 11 | $86,664 | 0.2% | n/a | 1 |
| Charlevoix County | 10 | $184,329 | 0.2% | $790 | 1 |
| Gogebic County | 10 | $38,343 | 0.1% | n/a | 3 |
| Montcalm County | 9 | $109,928 | 0.0% | n/a | 1 |
| Ontonagon County | 9 | $4,653 | 0.2% | n/a | 2 |
| Clare County | 8 | $26,830 | 0.2% | $610 | 0 |
| Emmet County | 8 | $31,718 | 0.3% | $990 | 1 |
| Alger County | 7 | $51,924 | 0.2% | n/a | 0 |
| Antrim County | 6 | $5,343 | 0.1% | $960 | 1 |
| Baraga County | 6 | $14,325 | 0.2% | n/a | 2 |
| Chippewa County | 6 | $136,915 | 0.4% | $810 | 0 |
| Dickinson County | 6 | $14,756 | 0.2% | $560 | 0 |
| Houghton County | 6 | $117,086 | 0.1% | n/a | 3 |
| Mackinac County | 6 | $8,898 | 0.4% | $910 | 0 |
| Iron County | 3 | $0 | 0.0% | n/a | 2 |
| Roscommon County | 3 | $93,200 | 0.0% | n/a | 1 |
| Schoolcraft County | 2 | $10,019 | 0.0% | n/a | 0 |
| Crawford County | 1 | $121,604 | 0.2% | $940 | 1 |
| Luce County | 1 | $5,511 | 0.0% | n/a | 0 |
| Presque Isle County | 1 | $0 | 0.0% | n/a | 1 |
| Kalkaska County | 0 | $0 | 0.0% | n/a | 1 |
| Keweenaw County | 0 | $0 | 0.0% | n/a | 1 |
| Missaukee County | 0 | $0 | 0.0% | n/a | 2 |
| Montmorency County | 0 | $0 | 0.0% | n/a | 1 |
| Ogemaw County | 0 | $0 | 0.0% | n/a | 1 |
| Oscoda County | 0 | $0 | 0.0% | n/a | 1 |
| Otsego County | 0 | $0 | 0.0% | n/a | 0 |
Flood-related FEMA disaster declarations in Michigan
Declarations since 2000 that FEMA lists as involving flooding. "Help for individuals" means FEMA's Individual Assistance was approved for at least part of the area.
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4925-MI | Jun 30, 2026 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-4757-MI | Feb 8, 2024 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-4607-MI | Jul 15, 2021 | Severe Storms, Flooding, and Tornadoes | Yes |
| DR-4547-MI | Jul 9, 2020 | Severe Storms and Flooding | Yes |
| EM-3525-MI | May 21, 2020 | Severe Storms and Flooding | No |
| DR-4381-MI | Aug 2, 2018 | Severe Storms, Flooding, Landslides, and Mudslides | No |
| DR-4326-MI | Aug 2, 2017 | Severe Storms and Flooding | Yes |
| DR-4195-MI | Sep 25, 2014 | Severe Storms and Flooding | Yes |
| DR-4121-MI | Jun 18, 2013 | Flooding | No |
| DR-1777-MI | Jul 14, 2008 | Severe Storms, Tornadoes, and Flooding | No |
| DR-1527-MI | Jun 30, 2004 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-1413-MI | May 6, 2002 | Flooding | No |
| DR-1346-MI | Oct 17, 2000 | Severe Storms and Flooding | Yes |
What to do with this
A county's history doesn't tell you your own building's risk. To see your property's flood zone, use FEMA's flood map lookup. To weigh coverage, start with do I need flood insurance? and what flood insurance costs.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- NFIP Redacted Policies (v3) (FEMA (OpenFEMA)): NFIP policies in force on June 30, 2026 (a policy counts if its term covers that date and it wasn't cancelled), downloaded 2026-10-08. Policy counts are FEMA's insured units, so a condominium association policy counts each unit. Costs are FEMA's "policy cost" (premium plus reserve fund assessment, federal policy fee and HFIAA surcharge) for single-family homes only. Policies FEMA's data doesn't place in a county count toward the state only.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.