Flood Claims Map

Michigan

Flood insurance claims in Manistee County, Michigan

FEMA records 29 National Flood Insurance Program claims in Manistee County, Michigan, since 1981, with $253,386 paid in total. The year with the most claims was 2020, with 6. As of 3 August 2026, 0.3% of homes here had an NFIP policy.

NFIP claims on record29
Total paid$253,386
Claims with a payment15
Homes with NFIP policy0.3%
High-risk zone homes insuredn/a
Residential policies in force37

Claims by year of loss

1981: 119811982: 11983: 01984: 01985: 219851986: 41987: 11988: 11989: 019891990: 01991: 01992: 01993: 019931994: 11995: 01996: 11997: 019971998: 01999: 02000: 12001: 020012002: 02003: 02004: 02005: 120052006: 02007: 02008: 12009: 020092010: 02011: 12012: 02013: 120132014: 02015: 02016: 02017: 120172018: 02019: 42020: 62021: 020212022: 02023: 02024: 02025: 020252026: 16

NFIP claims by year of loss, Manistee County, Michigan

1981: $1119811982: $01983: $01984: $01985: $49419851986: $26,6431987: $01988: $01989: $019891990: $01991: $01992: $01993: $019931994: $18,9541995: $01996: $01997: $019971998: $01999: $02000: $02001: $020012002: $02003: $02004: $02005: $46,29820052006: $02007: $02008: $30,8182009: $020092010: $02011: $02012: $02013: $020132014: $02015: $02016: $02017: $020172018: $02019: $87,1472020: $43,0212021: $020212022: $02023: $02024: $02025: $020252026: $0$87,147

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding2
2026-04-Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
4967516
4966012
496131

17 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $243,358, contents $10,028, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone020n/a
All homes14,093370.3%

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.