Flood Claims Map

Michigan

Flood insurance claims in Wayne County, Michigan

FEMA records 2,892 National Flood Insurance Program claims in Wayne County, Michigan, since 1978, with $13.7 million paid in total. The year with the most claims was 1985, with 470. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 21.5% of homes in the high-risk flood zone did.

NFIP claims on record2,892
Total paid$13.7 million
Claims with a payment1,822
Homes with NFIP policy0.5%
High-risk zone homes insured21.5%
Residential policies in force3,357

Claims by year of loss

1978: 619781979: 461980: 1611981: 511982: 2319821983: 561984: 141985: 4701986: 9819861987: 151988: 11989: 231990: 4119901991: 51992: 91993: 101994: 1419941995: 41996: 201997: 291998: 12719981999: 132000: 1312001: 142002: 1220022003: 132004: 1442005: 82006: 1520062007: 122008: 122009: 182010: 2120102011: 642012: 72013: 332014: 44420142015: 132016: 662017: 102018: 4020182019: 1822020: 232021: 1812022: 720222023: 1162024: 322025: 242026: 142026470

NFIP claims by year of loss, Wayne County, Michigan

1978: $12,00219781979: $152,8331980: $418,1831981: $166,0241982: $26,34519821983: $103,0581984: $6,4531985: $1.4 million1986: $192,38019861987: $7,0581988: $01989: $54,4621990: $11,02019901991: $01992: $01993: $01994: $1,68019941995: $7371996: $29,2261997: $160,2701998: $198,01319981999: $21,5242000: $298,9962001: $4,6362002: $42,45020022003: $4,8132004: $529,4282005: $7,5952006: $20,28520062007: $61,5742008: $8,6772009: $27,0022010: $85,09020102011: $434,1372012: $2,3692013: $131,1262014: $2.8 million20142015: $02016: $213,5362017: $43,9322018: $588,42320182019: $1.6 million2020: $101,3962021: $1.4 million2022: $7,01620222023: $1.4 million2024: $345,1862025: $513,3052026: $121,6102026$2.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding493
2026-04-Flooding3
Hurricane Ike3

ZIP codes with the most claims

ZIP code (as reported)Claims
48173752
48125691
48215322
48239107
4822995
4812477
4814671
4810161
4813859
4819254

1,997 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $12.2 million, contents $1.5 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone12,7302,74121.5%
All homes650,8043,3570.5%

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.