Flood insurance claims in Genesee County, Michigan

FEMA records 467 National Flood Insurance Program claims in Genesee County, Michigan, since 1978, with $3.3 million paid in total. The year with the most claims was 1985, with 83. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 20.3% of homes in the high-risk flood zone did.

NFIP claims on record467

Total paid$3.3 million

Claims with a payment334

Homes with NFIP policy0.2%

High-risk zone homes insured20.3%

Residential policies in force330

Claims by year of loss

NFIP claims by year of loss, Genesee County, Michigan

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	134
Hurricane Ike	5

ZIP codes with the most claims

ZIP code (as reported)	Claims
48507	87
48439	61
48509	40
48504	38
48529	34
48423	33
48506	31
48503	30
48433	23
48532	20

266 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.5 million, contents $765,775, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,058	215	20.3%
All homes	156,025	330	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.