Flood Claims Map

Michigan

Flood insurance claims in Kalamazoo County, Michigan

FEMA records 291 National Flood Insurance Program claims in Kalamazoo County, Michigan, since 1978, with $5.1 million paid in total. The year with the most claims was 2008, with 46. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 16.8% of homes in the high-risk flood zone did.

NFIP claims on record291
Total paid$5.1 million
Claims with a payment190
Homes with NFIP policy0.2%
High-risk zone homes insured16.8%
Residential policies in force172

Claims by year of loss

1978: 1719781979: 71980: 01981: 31982: 2619821983: 21984: 01985: 231986: 119861987: 11988: 21989: 81990: 119901991: 21992: 01993: 11994: 219941995: 11996: 01997: 21998: 119981999: 32000: 12001: 102002: 220022003: 02004: 12005: 32006: 020062007: 02008: 462009: 122010: 120102011: 42012: 02013: 02014: 120142015: 32016: 82017: 112018: 3420182019: 382020: 42021: 52022: 120222023: 02024: 12025: 12026: 1202646

NFIP claims by year of loss, Kalamazoo County, Michigan

1978: $76,08719781979: $27,9841980: $01981: $1,2631982: $105,08119821983: $01984: $01985: $116,3761986: $019861987: $01988: $01989: $45,0171990: $2,47519901991: $01992: $01993: $1,7671994: $019941995: $01996: $01997: $1,2021998: $019981999: $2,4412000: $02001: $39,8532002: $1,79320022003: $02004: $23,3442005: $20,2862006: $020062007: $02008: $703,6642009: $58,6042010: $3,53520102011: $35,2482012: $02013: $02014: $020142015: $22,7042016: $218,8952017: $313,9652018: $2.9 million20182019: $302,4412020: $12,7172021: $57,4772022: $020222023: $02024: $35,1872025: $13,1792026: $2,9612026$2.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ike38
Flooding23
2026-04-Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
49001109
4904865
4900730
4907124
4900923
490029
490248
490088
490064
490833

134 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.0 million, contents $1.1 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5839816.8%
All homes85,8811720.2%

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.