Flood Claims Map

Michigan

Flood insurance claims in Oakland County, Michigan

FEMA records 582 National Flood Insurance Program claims in Oakland County, Michigan, since 1978, with $5.5 million paid in total. The year with the most claims was 1981, with 60. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 20.9% of homes in the high-risk flood zone did.

NFIP claims on record582
Total paid$5.5 million
Claims with a payment317
Homes with NFIP policy0.3%
High-risk zone homes insured20.9%
Residential policies in force1,096

Claims by year of loss

1978: 619781979: 101980: 51981: 601982: 1919821983: 151984: 81985: 111986: 719861987: 31988: 51989: 351990: 419901991: 51992: 21993: 31994: 719941995: 01996: 131997: 91998: 2119981999: 62000: 302001: 132002: 220022003: 42004: 232005: 42006: 620062007: 42008: 142009: 42010: 420102011: 212012: 12013: 102014: 4420142015: 42016: 22017: 52018: 1120182019: 122020: 62021: 342022: 1620222023: 332024: 102025: 62026: 5202660

NFIP claims by year of loss, Oakland County, Michigan

1978: $2,20219781979: $21,4261980: $13,8311981: $175,1091982: $49,00019821983: $20,0511984: $01985: $10,7051986: $50019861987: $7,7061988: $01989: $151,6211990: $019901991: $184,3251992: $1,6481993: $1,0911994: $20,28819941995: $01996: $24,1211997: $59,3001998: $1.2 million19981999: $02000: $102,6212001: $39,2062002: $2,62420022003: $9522004: $448,6742005: $2,2492006: $4,83220062007: $02008: $79,4332009: $14,8482010: $12,76920102011: $84,1152012: $02013: $77,5372014: $344,17520142015: $4,4642016: $1,8042017: $4,4212018: $21,82720182019: $15,4792020: $2,1282021: $503,5512022: $287,03920222023: $1.2 million2024: $133,5432025: $107,2862026: $76,0272026$1.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding60
Hurricane Ike8
2026-04-Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
4833491
4833640
4808334
4832326
4800922
4832820
4806720
4832217
4807517
4830416

228 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.9 million, contents $620,588, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,80937820.9%
All homes428,9531,0960.3%

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.