Flood Claims Map

States

Flood insurance claims in Michigan by county

FEMA records 14,792 NFIP claims in Michigan's counties, with $149.6 million paid. As of 3 August 2026, 16,036 NFIP residential policies were in force, equal to 0.4% of the state's residential structures.

Wayne County2,892$13.7 million0.5%
Monroe County1,672$9.9 million1.4%
Macomb County1,437$9.0 million0.5%
St. Clair County1,184$5.2 million2.0%
Saginaw County798$11.8 million1.1%
Kent County676$10.4 million0.3%
Oakland County582$5.5 million0.3%
Midland County547$28.0 million0.8%
Bay County515$2.5 million0.9%
Genesee County467$3.3 million0.2%
Ingham County397$2.4 million0.7%
Ottawa County336$3.4 million0.3%
Berrien County310$4.4 million0.4%
Kalamazoo County291$5.1 million0.2%
Barry County281$3.1 million0.5%
Newaygo County153$4.3 million0.4%
Eaton County149$702,7590.5%
Tuscola County133$1.0 million0.4%
Washtenaw County133$1.6 million0.4%
Muskegon County131$841,8020.1%
Livingston County128$992,4820.3%
Arenac County119$2.1 million1.0%
St. Joseph County110$1.6 million0.3%
Iosco County81$841,4401.0%
Allegan County69$1.3 million0.2%
Osceola County66$1.7 million0.4%
Mecosta County64$1.5 million0.3%
Shiawassee County62$106,2881.1%
Calhoun County60$226,6280.2%
Lenawee County60$345,0270.1%
Grand Traverse County58$1.1 million0.3%
Huron County49$228,3070.9%
Menominee County48$422,4290.5%
Lake County46$1.2 million0.1%
Jackson County41$216,3210.2%
Ionia County37$292,0680.3%
Isabella County37$542,7440.5%
Cheboygan County36$1.7 million0.3%
Gratiot County36$148,9420.4%
Branch County33$605,8360.4%
Gladwin County31$1.7 million0.2%
Van Buren County31$221,3880.2%
Oceana County30$183,4780.3%
Clinton County29$497,4020.3%
Manistee County29$253,3860.3%
Delta County28$312,6180.2%
Lapeer County27$173,5810.1%
Marquette County21$233,4260.1%
Leelanau County20$122,1360.7%
Alpena County17$57,2940.3%
Wexford County16$615,5180.3%
Alcona County15$72,2760.2%
Cass County15$112,3450.2%
Sanilac County14$112,8280.1%
Hillsdale County13$184,3270.1%
Mason County13$237,7100.3%
Benzie County11$86,6640.2%
Charlevoix County10$184,3290.2%
Gogebic County10$38,3430.1%
Montcalm County9$109,9280.0%
Ontonagon County9$4,6530.2%
Clare County8$26,8300.2%
Emmet County8$31,7180.3%
Alger County7$51,9240.2%
Antrim County6$5,3430.1%
Baraga County6$14,3250.2%
Chippewa County6$136,9150.4%
Dickinson County6$14,7560.2%
Houghton County6$117,0860.1%
Mackinac County6$8,8980.4%
Iron County3$00.0%
Roscommon County3$93,2000.0%
Schoolcraft County2$10,0190.0%
Crawford County1$121,6040.2%
Luce County1$5,5110.0%
Presque Isle County1$00.0%
Kalkaska County0$00.0%
Keweenaw County0$00.0%
Missaukee County0$00.0%
Montmorency County0$00.0%
Ogemaw County0$00.0%
Oscoda County0$00.0%
Otsego County0$00.0%
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.