Flood Claims Map

Michigan

Flood insurance claims in Saginaw County, Michigan

FEMA records 798 National Flood Insurance Program claims in Saginaw County, Michigan, since 1978, with $11.8 million paid in total. The year with the most claims was 1986, with 200. As of 3 August 2026, 1.1% of homes here had an NFIP policy.

NFIP claims on record798
Total paid$11.8 million
Claims with a payment589
Homes with NFIP policy1.1%
High-risk zone homes insuredn/a
Residential policies in force841

Claims by year of loss

1978: 319781979: 31980: 41981: 281982: 919821983: 41984: 01985: 281986: 20019861987: 31988: 01989: 11990: 119901991: 61992: 01993: 11994: 1119941995: 11996: 261997: 281998: 819981999: 142000: 62001: 62002: 220022003: 02004: 152005: 42006: 620062007: 02008: 62009: 62010: 020102011: 112012: 62013: 722014: 720142015: 12016: 42017: 262018: 520182019: 32020: 1842021: 22022: 220222023: 22024: 22025: 12026: 402026200

NFIP claims by year of loss, Saginaw County, Michigan

1978: $5,00019781979: $1,4771980: $01981: $51,3771982: $14,80719821983: $2,8351984: $01985: $37,0671986: $1.7 million19861987: $01988: $01989: $01990: $019901991: $14,0291992: $01993: $01994: $22,15619941995: $01996: $106,9841997: $94,2941998: $6,60319981999: $30,0252000: $44,4662001: $4,4342002: $020022003: $02004: $46,0202005: $3,0592006: $15,02220062007: $02008: $31,6472009: $14,0802010: $020102011: $116,5752012: $51,0212013: $1.2 million2014: $5,84120142015: $02016: $02017: $645,2542018: $65,34120182019: $106,2872020: $6.9 million2021: $6,6792022: $020222023: $8,7792024: $1,6022025: $3,8082026: $395,6462026$6.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding235
2026-04-Flooding9

ZIP codes with the most claims

ZIP code (as reported)Claims
48601177
48609171
48638166
4860499
4860257
4860336
4865529
4862320
4872219
484158

623 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $11.2 million, contents $608,729, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0752n/a
All homes73,5558411.1%

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.