Flood insurance claims in Ottawa County, Michigan

FEMA records 336 National Flood Insurance Program claims in Ottawa County, Michigan, since 1979, with $3.4 million paid in total. The year with the most claims was 2013, with 61. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 15.0% of homes in the high-risk flood zone did.

NFIP claims on record336

Total paid$3.4 million

Claims with a payment232

Homes with NFIP policy0.3%

High-risk zone homes insured15.0%

Residential policies in force318

Claims by year of loss

NFIP claims by year of loss, Ottawa County, Michigan

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	53
2026-04-Flooding	5
Hurricane Ike	4

ZIP codes with the most claims

ZIP code (as reported)	Claims
49417	96
49456	52
49424	43
49423	33
49428	32
49418	18
49460	16
49464	9
49434	8
49426	8

156 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.0 million, contents $357,405, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,114	167	15.0%
All homes	104,687	318	0.3%

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

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.