Flood Claims Map

Michigan

Flood insurance claims in Grand Traverse County, Michigan

FEMA records 58 National Flood Insurance Program claims in Grand Traverse County, Michigan, since 1986, with $1.1 million paid in total. The year with the most claims was 2026, with 11. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 22.5% of homes in the high-risk flood zone did.

NFIP claims on record58
Total paid$1.1 million
Claims with a payment40
Homes with NFIP policy0.3%
High-risk zone homes insured22.5%
Residential policies in force126

Claims by year of loss

1986: 619861987: 21988: 01989: 01990: 019901991: 01992: 11993: 01994: 019941995: 01996: 11997: 11998: 019981999: 22000: 32001: 12002: 120022003: 02004: 12005: 02006: 020062007: 02008: 02009: 02010: 020102011: 02012: 62013: 02014: 320142015: 02016: 02017: 12018: 020182019: 22020: 102021: 22022: 020222023: 02024: 12025: 32026: 11202611

NFIP claims by year of loss, Grand Traverse County, Michigan

1986: $13,32619861987: $21,9061988: $01989: $01990: $019901991: $01992: $01993: $01994: $019941995: $01996: $01997: $3,4391998: $019981999: $4,3942000: $9492001: $02002: $020022003: $02004: $8,3072005: $02006: $020062007: $02008: $02009: $02010: $020102011: $02012: $160,9622013: $02014: $16,09720142015: $02016: $02017: $18,3652018: $020182019: $02020: $99,1262021: $28,5622022: $020222023: $02024: $1,4272025: $2,2262026: $700,2002026$700,200

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

Named flood events with the most claims

Event (FEMA name)Claims
2026-04-Flooding11
Flooding2

ZIP codes with the most claims

ZIP code (as reported)Claims
4968419
4969619
4968611
496856
496902

25 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $883,517, contents $195,770, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3778522.5%
All homes43,1591260.3%

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.