Flood Claims Map

Michigan

Flood insurance claims in Baraga County, Michigan

FEMA records 6 National Flood Insurance Program claims in Baraga County, Michigan, since 1987, with $14,325 paid in total. The year with the most claims was 1987, with 4. As of 3 August 2026, 0.2% of homes here had an NFIP policy.

NFIP claims on record6
Total paid$14,325
Claims with a payment3
Homes with NFIP policy0.2%
High-risk zone homes insuredn/a
Residential policies in force7

Claims by year of loss

1987: 419871988: 019881989: 019891990: 019901991: 019911992: 019921993: 019931994: 019941995: 019951996: 019961997: 019971998: 019981999: 019992000: 020002001: 020012002: 020022003: 220034

NFIP claims by year of loss, Baraga County, Michigan

1987: $7,10219871988: $019881989: $019891990: $019901991: $019911992: $019921993: $019931994: $019941995: $019951996: $019961997: $019971998: $019981999: $019992000: $020002001: $020012002: $020022003: $7,2222003$7,222

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

ZIP codes with the most claims

ZIP code (as reported)Claims
499466

1 of the claims was on properties rated in a high-risk flood zone (zones starting A or V). Building $14,325, contents $0, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone04n/a
All homes4,54170.2%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.