Flood insurance claims in Osceola County, Michigan

FEMA records 66 National Flood Insurance Program claims in Osceola County, Michigan, since 1989, with $1.7 million paid in total. The year with the most claims was 2014, with 32. As of 3 August 2026, 0.4% of homes here had an NFIP policy.

NFIP claims on record66

Total paid$1.7 million

Claims with a payment57

Homes with NFIP policy0.4%

High-risk zone homes insuredn/a

Residential policies in force39

Claims by year of loss

NFIP claims by year of loss, Osceola County, Michigan

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

Named flood events with the most claims

Event (FEMA name)	Claims
2026-04-Flooding	14

ZIP codes with the most claims

ZIP code (as reported)	Claims
49631	53
49639	5
49665	4
49679	4

39 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.4 million, contents $200,743, increased cost of compliance $51,012.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	28	n/a
All homes	9,757	39	0.4%

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

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.