Flood insurance claims in Sanilac County, Michigan

FEMA records 14 National Flood Insurance Program claims in Sanilac County, Michigan, since 1983, with $112,828 paid in total. The year with the most claims was 1987, with 6. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 12.6% of homes in the high-risk flood zone did.

NFIP claims on record14

Total paid$112,828

Claims with a payment9

Homes with NFIP policy0.1%

High-risk zone homes insured12.6%

Residential policies in force29

Claims by year of loss

NFIP claims by year of loss, Sanilac County, Michigan

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
48450	6
48434	4
48427	2
48032	1
48422	1

3 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $110,731, contents $2,097, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	151	19	12.6%
All homes	19,748	29	0.1%

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

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.