Flood Claims Map

Michigan

Flood insurance claims in Huron County, Michigan

FEMA records 49 National Flood Insurance Program claims in Huron County, Michigan, since 1986, with $228,307 paid in total. The year with the most claims was 1986, with 24. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 8.4% of homes in the high-risk flood zone did.

NFIP claims on record49
Total paid$228,307
Claims with a payment32
Homes with NFIP policy0.9%
High-risk zone homes insured8.4%
Residential policies in force169

Claims by year of loss

1986: 2419861987: 21988: 11989: 019891990: 01991: 11992: 019921993: 01994: 01995: 019951996: 01997: 31998: 019981999: 02000: 32001: 020012002: 02003: 02004: 120042005: 02006: 02007: 020072008: 12009: 02010: 020102011: 12012: 02013: 020132014: 02015: 02016: 020162017: 02018: 22019: 220192020: 824

NFIP claims by year of loss, Huron County, Michigan

1986: $62,44419861987: $1,5441988: $01989: $019891990: $01991: $2,3331992: $019921993: $01994: $01995: $019951996: $01997: $01998: $019981999: $02000: $9,0622001: $020012002: $02003: $02004: $020042005: $02006: $02007: $020072008: $02009: $02010: $020102011: $02012: $02013: $020132014: $02015: $02016: $020162017: $02018: $48,6082019: $020192020: $104,316$104,316

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding14

ZIP codes with the most claims

ZIP code (as reported)Claims
4875915
4875515
487255
484675
487204
487312
484681
484411

16 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $211,471, contents $16,836, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,6181368.4%
All homes18,2681690.9%

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.