Flood Claims Map

Michigan

Flood insurance claims in St. Clair County, Michigan

FEMA records 1,184 National Flood Insurance Program claims in St. Clair County, Michigan, since 1978, with $5.2 million paid in total. The year with the most claims was 1986, with 319. As of 3 August 2026, 2.0% of homes here had an NFIP policy, and 17.6% of homes in the high-risk flood zone did.

NFIP claims on record1,184
Total paid$5.2 million
Claims with a payment804
Homes with NFIP policy2.0%
High-risk zone homes insured17.6%
Residential policies in force1,248

Claims by year of loss

1978: 519781979: 41980: 61981: 91982: 2519821983: 61984: 201985: 2521986: 31919861987: 1051988: 61989: 31990: 319901991: 11992: 11993: 01994: 619941995: 11996: 81997: 261998: 219981999: 22000: 32001: 122002: 120022003: 22004: 222005: 32006: 120062007: 12008: 132009: 232010: 020102011: 52012: 02013: 02014: 420142015: 02016: 12017: 02018: 1920182019: 1432020: 592021: 442022: 120222023: 72024: 62025: 12026: 32026319

NFIP claims by year of loss, St. Clair County, Michigan

1978: $3,29719781979: $5891980: $9,7981981: $6,1801982: $35,15419821983: $5,6951984: $29,8211985: $819,5111986: $675,98719861987: $257,1491988: $01989: $01990: $019901991: $4221992: $01993: $01994: $8,33219941995: $01996: $10,0001997: $95,0211998: $84419981999: $02000: $10,8512001: $142,1812002: $020022003: $02004: $266,8722005: $02006: $020062007: $4,2882008: $106,3872009: $397,3132010: $020102011: $5,8832012: $02013: $02014: $71,15620142015: $02016: $02017: $02018: $113,09820182019: $1.0 million2020: $287,8472021: $715,1562022: $1,13520222023: $113,4832024: $8,9452025: $2,2072026: $14,7622026$1.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding312

ZIP codes with the most claims

ZIP code (as reported)Claims
48001317
48023299
48028246
48039116
4805489
4806039
4805924
4807911
480407
480046

675 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.7 million, contents $434,963, increased cost of compliance $60,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6,5741,15417.6%
All homes62,4571,2482.0%

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.