Flood Claims Map

Michigan

Flood insurance claims in Monroe County, Michigan

FEMA records 1,672 National Flood Insurance Program claims in Monroe County, Michigan, since 1978, with $9.9 million paid in total. The year with the most claims was 1985, with 559. As of 3 August 2026, 1.4% of homes here had an NFIP policy, and 19.3% of homes in the high-risk flood zone did.

NFIP claims on record1,672
Total paid$9.9 million
Claims with a payment1,309
Homes with NFIP policy1.4%
High-risk zone homes insured19.3%
Residential policies in force822

Claims by year of loss

1978: 1919781979: 91980: 2271981: 111982: 10219821983: 331984: 321985: 5591986: 10319861987: 251988: 51989: 101990: 2619901991: 51992: 01993: 41994: 119941995: 11996: 01997: 281998: 14419981999: 02000: 22001: 12002: 620022003: 52004: 12005: 72006: 1220062007: 42008: 52009: 392010: 120102011: 302012: 02013: 12014: 720142015: 302016: 02017: 42018: 10320182019: 242020: 62021: 22022: 020222023: 372024: 1559

NFIP claims by year of loss, Monroe County, Michigan

1978: $27,94719781979: $21,6571980: $627,1481981: $21,4521982: $389,40519821983: $77,6871984: $39,3951985: $2.5 million1986: $288,20319861987: $42,7951988: $01989: $14,7671990: $64,51119901991: $4,7641992: $01993: $6,2351994: $1,05719941995: $01996: $01997: $109,4361998: $934,80719981999: $02000: $1,4802001: $02002: $1,01920022003: $27,5802004: $6,3482005: $33,5162006: $19,87820062007: $25,8162008: $14,4682009: $268,3192010: $020102011: $218,2072012: $02013: $8,1832014: $7,37320142015: $111,8122016: $02017: $1,9352018: $2.6 million20182019: $440,8262020: $27,8532021: $26,1232022: $020222023: $941,9412024: $5,284$2.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding554

ZIP codes with the most claims

ZIP code (as reported)Claims
48161348
48166303
48145270
48157266
48133212
48162174
4813125
4818224
4817915
481174

1,495 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $8.3 million, contents $1.5 million, increased cost of compliance $75,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,76472719.3%
All homes58,7018221.4%

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.