Flood Claims Map

Michigan

Flood insurance claims in Charlevoix County, Michigan

FEMA records 10 National Flood Insurance Program claims in Charlevoix County, Michigan, since 2010, with $184,329 paid in total. The year with the most claims was 2026, with 3. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 13.0% of homes in the high-risk flood zone did.

NFIP claims on record10
Total paid$184,329
Claims with a payment9
Homes with NFIP policy0.2%
High-risk zone homes insured13.0%
Residential policies in force40

Claims by year of loss

2010: 120102011: 020112012: 020122013: 020132014: 020142015: 020152016: 020162017: 020172018: 220182019: 220192020: 220202021: 020212022: 020222023: 020232024: 020242025: 020252026: 320263

NFIP claims by year of loss, Charlevoix County, Michigan

2010: $37,51720102011: $020112012: $020122013: $020132014: $020142015: $020152016: $020162017: $020172018: $8,99520182019: $55920192020: $83,02320202021: $020212022: $020222023: $020232024: $020242025: $020252026: $54,2352026$83,023

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

Named flood events with the most claims

Event (FEMA name)Claims
2026-04-Flooding3

ZIP codes with the most claims

ZIP code (as reported)Claims
497276
497203
497121

3 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $153,457, contents $30,871, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1381813.0%
All homes16,397400.2%

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.