Flood insurance claims in Alcona County, Michigan

FEMA records 15 National Flood Insurance Program claims in Alcona County, Michigan, since 1979, with $72,276 paid in total. The year with the most claims was 1986, with 3. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 2.3% of homes in the high-risk flood zone did.

NFIP claims on record15

Total paid$72,276

Claims with a payment8

Homes with NFIP policy0.2%

High-risk zone homes insured2.3%

Residential policies in force34

Claims by year of loss

NFIP claims by year of loss, Alcona County, Michigan

Paid on claims by year of loss (building, contents and increased cost of compliance), Alcona County, Michigan

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	2
2026-04-Flooding	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
48738	9
48740	3
48721	2
48762	1

7 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $69,323, contents $2,953, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	878	20	2.3%
All homes	14,566	34	0.2%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.