Flood Claims Map

Michigan

Flood insurance claims in Mackinac County, Michigan

FEMA records 6 National Flood Insurance Program claims in Mackinac County, Michigan, since 1986, with $8,898 paid in total. The most claims in one year was 2, in 1986 and 2020. As of 3 August 2026, 0.4% of homes here had an NFIP policy.

NFIP claims on record6
Total paid$8,898
Claims with a payment2
Homes with NFIP policy0.4%
High-risk zone homes insuredn/a
Residential policies in force38

Claims by year of loss

1986: 219861987: 01988: 01989: 019891990: 01991: 01992: 019921993: 01994: 01995: 019951996: 01997: 01998: 019981999: 02000: 02001: 120012002: 02003: 02004: 020042005: 02006: 02007: 020072008: 02009: 02010: 020102011: 02012: 02013: 020132014: 02015: 02016: 020162017: 12018: 02019: 020192020: 22

NFIP claims by year of loss, Mackinac County, Michigan

1986: $2,25719861987: $01988: $01989: $019891990: $01991: $01992: $019921993: $01994: $01995: $019951996: $01997: $01998: $019981999: $02000: $02001: $020012002: $02003: $02004: $020042005: $02006: $02007: $020072008: $02009: $02010: $020102011: $02012: $02013: $020132014: $02015: $02016: $020162017: $6,6412018: $02019: $020192020: $0$6,641

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

ZIP codes with the most claims

ZIP code (as reported)Claims
497813
497451
497191
497621

3 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $8,898, contents $0, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone024n/a
All homes9,485380.4%

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.