Flood insurance claims in Washtenaw County, Michigan

FEMA records 133 National Flood Insurance Program claims in Washtenaw County, Michigan, since 1980, with $1.6 million paid in total. The year with the most claims was 2011, with 19. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 24.5% of homes in the high-risk flood zone did.

NFIP claims on record133

Total paid$1.6 million

Claims with a payment82

Homes with NFIP policy0.4%

High-risk zone homes insured24.5%

Residential policies in force416

Claims by year of loss

NFIP claims by year of loss, Washtenaw County, Michigan

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
48189	44
48103	37
48104	19
48197	13
48108	9
48105	3
48167	1
48160	1
48170	1
48176	1

87 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.5 million, contents $120,048, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	799	196	24.5%
All homes	111,497	416	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.