Flood insurance claims in Arenac County, Michigan

FEMA records 119 National Flood Insurance Program claims in Arenac County, Michigan, since 1980, with $2.1 million paid in total. The year with the most claims was 2020, with 40. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 5.8% of homes in the high-risk flood zone did.

NFIP claims on record119

Total paid$2.1 million

Claims with a payment90

Homes with NFIP policy1.0%

High-risk zone homes insured5.8%

Residential policies in force100

Claims by year of loss

NFIP claims by year of loss, Arenac County, Michigan

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	22
2026-04-Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
48658	70
48703	24
48659	14
48749	4
48763	3
48765	2
48650	2

64 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.7 million, contents $280,611, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,060	62	5.8%
All homes	10,379	100	1.0%

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.