NFIP records · Michigan · policies as of July 31, 2026
Flood insurance in Michigan
What policyholders here actually pay, what floods have paid out, and how to pay less, from public federal records.
That is 25% below the U.S. median of $1,055; 6th lowest of 51 states.
This is what existing single-family policies cost — not a quote. Your own premium depends on your building, coverage and elevation.
Check your address on FEMA's flood map →Your flood zone is set at your exact address and drives your price and whether coverage is required. Look it up first, then read your zone's row in "What does it cost in my flood zone?" below.
Built from all 17,882 in-force NFIP policy records and 14,954 claim records FEMA publishes for Michigan, downloaded October 25, 2026 and matched to FEMA's own count, none missing. Download the figures on this page (CSV) · How we check them
Is my quote or renewal normal here?
Type your yearly flood cost (premium plus fees, as on your bill) to see where it sits among Michigan's existing single-family policies. This is a comparison, not a quote.
Enter an amount above.
Am I required to carry it?
Only if your home is in a high-risk zone (A or V) and your mortgage is from a federally regulated lender, or federal help to buy or build (42 U.S.C. §4012a). Check your zone on FEMA's flood map.
73.3% of Michigan's NFIP policies are in high-risk zones (not 73.3% of all buildings, and not an answer about your own home).
| Flood zone | Policies | Share |
|---|---|---|
| Zone AE (high-risk) | 12,297 | 62.5% |
| Zone X | 5,172 | 26.3% |
| Zone A (high-risk) | 1,822 | 9.3% |
| Other or unclassified zones | 394 | 2.0% |
Insured units by the flood zone each policy is rated in (a condo-building policy counts each unit). Outside those zones the federal requirement drops, but a lender can still require coverage.
Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Source: govinfo.gov, federalreserve.gov (official pages, checked October 25, 2026). Not endorsed by FEMA.
I'm outside the high-risk zone. Do floods happen there?
Yes. 27.6% of the flood-insurance claim money paid in Michigan went to homes outside the high-risk zones, which hold 26.7% of policies here: at least as much per policy as inside the high-risk zone.
- Claim dollars paid outside A/V zones27.6%
- Policies outside A/V zones26.7%
- Zone X median cost$703
Outside those zones the federal requirement drops, but a lender can still require coverage. Insured claims only, by each policy's rated zone.
Source: FEMA OpenFEMA — NFIP Claims; FEMA OpenFEMA — NFIP Policies. Data effective claims 1978–2026; policies July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How much does it cost here?
Typically about $789 a year ($66 a month), fees included. Half of homeowners here pay between $608 and $1,113. To check a quote, use the checker at the top.
Low end $608 · Typical $789 · High end $1,113 · Top 10% pay $1,545 or more
Each policy's annual cost (premium plus the federal policy fee, reserve fund assessment and HFIAA surcharge), single-family primary residences. The bar is the middle half of policies, from 12,641 single-family primary-home policies.
Coverage in force: $3.8 billion of building and $816.2 million of contents coverage across all Michigan policies.
Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How do I actually get covered — and how fast?
Buy it now: most policies start 30 days after you buy, but there's no wait if you buy it with a new or refinanced mortgage.
- Waiting period30 days
- Bought with a new or refinanced mortgageNo wait
- NFIP building limit$250,000
- NFIP contents limit$100,000
Most homeowners insurance does not cover flood damage; flood insurance is bought separately, through the federal NFIP or a private insurer. Exceptions: no wait if you buy while making, increasing, extending or renewing a mortgage, or change coverage at renewal; a one-day wait if a map revision puts the property in a high-risk zone and you buy within 13 months of the revision (44 CFR §61.11). NFIP covers up to $250,000 on the building and $100,000 on contents, which is a separate policy. To buy: call the NFIP at (877) 336-2627, go to FloodSmart.gov, or ask any licensed insurance agent. Every NFIP insurer offers the same rates.
Already flooded? Insured: report the loss to your insurance agent or company now (FEMA's steps: how to start a flood claim). Not insured: a policy bought today will not cover a flood that already happened, and FEMA disaster aid is open to people in counties designated in a federally declared disaster. Past aid paid here is in “Did the government pay homeowners after floods?” below.
Source: floodsmart.gov, govinfo.gov, fema.gov (official pages, checked October 25, 2026). Not endorsed by FEMA.
What does it cost in my flood zone?
From about $703 a year (Zone X) to $908 (Zone AO) here. Your zone is on your lender's flood determination or FEMA's map; find its row below.
| Flood zone | Median / yr | Policies |
|---|---|---|
| Zone AE | $813 | 8,041 |
| Zone X | $703 | 3,244 |
| Zone A | $896 | 1,120 |
| Zone AO | $908 | 94 |
| Zone VE | $716 | 54 |
Zones with fewer than 50 priced single-family policies are omitted. Your own premium still depends on elevation and coverage.
Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
What does it cost in my county?
From about $607 a year in Oakland County to $1,446 in Gratiot County, among counties with 30 or more priced policies. Find yours below.
| County | Policies | Median / yr | Below full-risk | Claims since 1978 |
|---|---|---|---|---|
| Wayne County | 3,801 | $682 | 20.9% | 2,892 |
| Macomb County | 1,577 | $813 | 29.6% | 1,437 |
| Oakland County | 1,490 | $607 | 14.8% | 582 |
| St. Clair County | 1,343 | $740 | 25.9% | 1,184 |
| Saginaw County | 1,129 | $904 | 29.1% | 798 |
| Kent County | 990 | $840 | 27.8% | 676 |
| Monroe County | 916 | $1,084 | 57.5% | 1,672 |
| Ingham County | 751 | $1,106 | 32.8% | 397 |
| Washtenaw County | 618 | $724 | 25.0% | 133 |
| Bay County | 460 | $897 | 36.8% | 515 |
| Berrien County | 434 | $1,100 | 39.2% | 310 |
| Ottawa County | 404 | $998 | 40.5% | 336 |
| Genesee County | 368 | $802 | 26.1% | 467 |
| Midland County | 325 | $1,024 | 30.7% | 547 |
| Livingston County | 242 | $886 | 25.6% | 128 |
| Huron County | 232 | $773 | 28.4% | 49 |
| Shiawassee County | 232 | $652 | 14.1% | 62 |
| Kalamazoo County | 229 | $666 | 19.7% | 291 |
| Eaton County | 212 | $1,348 | 47.8% | 149 |
| Iosco County | 195 | $707 | 21.5% | 81 |
| Barry County | 193 | $841 | 33.8% | 281 |
| Allegan County | 190 | $981 | 31.0% | 69 |
| Jackson County | 186 | $727 | 23.9% | 41 |
| Grand Traverse County | 154 | $862 | 27.3% | 58 |
| Calhoun County | 151 | $893 | 34.0% | 60 |
| Muskegon County | 139 | $1,084 | 37.7% | 131 |
| Leelanau County | 136 | $784 | 48.7% | 20 |
| St. Joseph County | 131 | $1,319 | 45.1% | 110 |
| Van Buren County | 130 | $712 | 24.3% | 31 |
| Isabella County | 119 | $901 | 38.9% | 37 |
45 smaller counties are not listed.
Lowest typical cost: Oakland County ($607), Shiawassee County ($652), Kalamazoo County ($666), Wayne County ($682) and Iosco County ($707). Highest: Gratiot County ($1,446), Newaygo County ($1,401), Mecosta County ($1,400), Eaton County ($1,348) and St. Joseph County ($1,319). Median annual cost of single-family primary-home policies.
Counties with fewer than 30 priced single-family policies show a dash; medians from under 100 policies move more from year to year.
Source: FEMA OpenFEMA — NFIP Policies; FEMA OpenFEMA — NFIP Claims. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Why do sites quote different averages for Michigan?
Because they measure different things. From the same FEMA records, the typical single-family home pays $789 a year, but the average across every policy type is $1,189.
| Measure | Amount | What it counts |
|---|---|---|
| Median cost, single-family homes | $789 | premium plus fees; the middle policy |
| Average (mean) cost, single-family homes | $954 | pulled up by a few expensive policies |
| Median premium only, single-family homes | $608 | before the federal fee, reserve fund and surcharge |
| Average premium only, single-family homes | $748 | the figure many sites quote |
| Median cost, every policy type | $876 | adds condos, rentals and businesses |
| Average cost, every policy type | $1,189 |
Published averages rarely say which of these they are, or which year. All six here come from the NFIP policies in force on July 31, 2026.
Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How do current premiums compare with FEMA's full-risk price?
29.3% of bills here can keep rising: they pay less than FEMA's full-risk price. Those prices step up toward full-risk each year, limited by the yearly cap. Median premium $608, full-risk $631 (premiums only, before fees).
- Median premium charged (before fees)$608
- Median full-risk premium$631
- Pay below full-risk29.3% of 12,641
Years to the full-risk price: By law most premiums cannot rise more than 18% a year (FloodSmart puts it at 18–25% for most policyholders); the cap usually does not apply to new policies, and fees and surcharges sit outside it. At the 18% cap, a policy at today's median premium ($608) would take at least about 1 annual renewal to reach the median full-risk premium ($631). This is the limit on how fast a bill can climb, not a forecast of any one policy.
Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Are people dropping flood insurance in Michigan?
Yes: policies in force fell 11.7% from 2022 to 2026, from 20,245 to 17,882 NFIP policy records.
| July 31 | Policies in force |
|---|---|
| 2019 | 20,010 |
| 2020 | 20,607 |
| 2021 | 19,599 |
| 2022 | 20,245 |
| 2023 | 18,661 |
| 2024 | 18,622 |
| 2025 | 18,303 |
| 2026 | 17,882 |
Policy records in force on July 31 of each year (a condo-building policy counts once). Private flood policies are not in this data.
Source: FEMA OpenFEMA — NFIP Policies. Data effective 2019–2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Can I pay less than the sticker price?
Yes, in 22 of the 1275 towns here: up to 25% off in Midland. It applies to every eligible policy there. Find your town below.
| Community | High-risk zone | Other areas | CRS class |
|---|---|---|---|
| Midland (Bay County/Midland County) | 25% | 10% | 5 |
| Vassar (Tuscola County) | 20% | 10% | 6 |
| Ann Arbor (Washtenaw County) | 20% | 10% | 6 |
| Shelby, Charter Township Of (Macomb County) | 15% | 5% | 7 |
| Sterling Heights (Macomb County) | 15% | 5% | 7 |
| Novi (Oakland County) | 15% | 5% | 7 |
| Saginaw, Charter Township Of (Saginaw County) | 15% | 5% | 7 |
| Dearborn Heights (Wayne County) | 15% | 5% | 7 |
| Detroit (Wayne County) | 15% | 5% | 7 |
| Portage (Kalamazoo County) | 15% | 5% | 7 |
| Luna Pier (Monroe County) | 10% | 5% | 8 |
| Gibraltar (Wayne County) | 10% | 5% | 8 |
| Rockwood (Wayne County) | 10% | 5% | 8 |
| Grand Haven (Ottawa County) | 10% | 5% | 8 |
| Brooks (Newaygo County) | 10% | 5% | 8 |
The 15 largest discounts of 22 discounted communities are shown; 1253 communities here have no CRS discount.
The Community Rating System cuts NFIP premiums for every eligible policy in a community that does extra flood work. The discount shown is the community's rate; what share of its policies currently receive it is not in this data. Confirm with your agent.
Source: FEMA OpenFEMA — NFIP Community Status Book (CRS). Data effective current Community Status Book; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
What do floods actually pay out here?
Floods here have led to 14,954 NFIP flood claims and $149.4 million in payouts since 1978; the worst years were 2020, 2018 and 2014.
Orange bars are the three costliest years: 2020 ($33,413,782), 2018 ($15,806,797), 2014 ($9,969,191). Total paid $149,425,533: net building + contents payments by year of loss. Claims are matched by the claims dataset's county code, which may not exactly match a policy's property county.
That is 14,954 claims since 1978 against 19,685 policies in force today — a cumulative tally spanning ~49 years over a present-day snapshot, not an annual claim rate or a flood probability.
Source: FEMA OpenFEMA — NFIP Claims. Data effective 1978–2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Do flood claims here actually pay out?
Most do: 68.7% of claims here paid something. The average paid claim was $14,606.
- Average paid claim$14,606
- Closed with no payment31.3%
- Claims that paid10,279
FEMA lists reasons a claim closes without payment, such as damage below the deductible, no flood as the policy defines it, or seepage and drain backup the policy does not cover. The average is over claims that paid something; a single home can file across several floods over the years.
Source: FEMA OpenFEMA — NFIP Claims. Data effective 1978–2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Why do flood claims here go unpaid?
Of the 4,675 claims here closed without payment, the top reason FEMA recorded was “damage less than the deductible” (1,315 claims).
| Reason recorded | Claims |
|---|---|
| Damage less than the deductible | 1,315 |
| Not an actual flood | 768 |
| No demonstrable damage | 274 |
The building non-payment reason on each NFIP claim closed with nothing paid. Records marked “other” or entered in error are left out.
Source: FEMA OpenFEMA — NFIP Claims. Data effective 1978–2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Which named storms paid out the biggest totals here?
Among named storms, 2026-04-Flooding (2026) paid out the largest total: $6.4 million across 146 NFIP flood claims.
| Storm (FEMA's name) | Claims | Total paid | Average |
|---|---|---|---|
| 2026-04-Flooding (2026) | 146 | $6.4 million | $43,564 |
| Hurricane Ike (2008) | 90 | $1.3 million | $14,185 |
NFIP claims that were paid, grouped by the flood event FEMA assigned; claims with no event name, or a generic one like “flooding”, are left out.
Source: FEMA OpenFEMA — NFIP Claims. Data effective 1978–2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Would a policy here pay to rebuild my home?
Not in full for 29.7% of insured single-family homes here: FEMA's records put their rebuilding cost above the NFIP's $250,000 building limit.
- Rebuilding cost above the building limit (of 6,804 policies reporting one)29.7%
- Carry the maximum building coverage45.8%
- Damage was more than the coverage (of 9,708 claims paid with a damage figure)4.5%
NFIP covers up to $250,000 on the building and $100,000 on contents, which is a separate policy. Rebuilding cost is the replacement-cost figure on each single-family primary-home policy record.
Source: FEMA OpenFEMA — NFIP Policies; FEMA OpenFEMA — NFIP Claims. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Source: floodsmart.gov (official pages, checked October 25, 2026). Not endorsed by FEMA.
How often do the same homes flood here?
Some homes here flood again and again: 288,402 flood-damage applications in FEMA's disaster-aid records came from homes that flooded more than once; 53,255 of those records came from homes hit in four or more.
- Repeat-flood damage records288,402
- Records from homes hit 4+ times53,255
One home appears once for each declared disaster that damaged it, so this counts damage events on repeat-flooded homes, not distinct homes (FEMA says these records cannot be totaled by property). Disaster-aid applications since 2002, separate from NFIP insurance claims.
Source: FEMA OpenFEMA — Repetitive-Loss Flood Properties. Data effective FEMA's current list; retrieved October 26, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How Michigan counties compare
4 of Michigan's 83 counties are rated Relatively High or Very High for flooding by FEMA's National Risk Index, a model of expected loss; the claims below show what has actually flooded.
Source: FEMA — National Risk Index (flood). Data effective NRI 2023 release; retrieved October 25, 2026.
How many homes here carry flood insurance?
About 1 in 250 homes here has flood insurance (0.4%). Inside the high-risk zone it's 18.4%.
- All homes insured0.4%
- High-risk-zone homes insured18.4%
- Residential policies in force16,036
FEMA's NFIP residential take-up rate — share of residential structures with an NFIP policy, overall and inside the Special Flood Hazard Area. NFIP only (excludes private flood insurance); the structure count is a FEMA estimate.
Source: FEMA OpenFEMA — NFIP Residential Penetration Rates. Data effective August 3, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How often is Michigan a flood disaster?
24 federal disasters for floods or storms here; the latest was Severe Storms, Tornadoes, And Flooding (2026).
- 2026 — Flood: Severe Storms, Tornadoes, And Flooding
- 2024 — Flood: Severe Storms, Tornadoes, And Flooding
- 2021 — Severe Storm: Severe Storms, Flooding, And Tornadoes
- 2018 — Flood: Severe Storms, Flooding, Landslides, And Mudslides
- 2017 — Severe Storm: Severe Storms And Flooding
- 2014 — Flood: Severe Storms And Flooding
Distinct storms by calendar year (one storm's emergency and major-disaster declarations are counted once), not individual declaration records.
Source: FEMA OpenFEMA — Disaster Declarations Summaries. Data effective declarations through 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Did the government pay homeowners after floods?
Yes, but not much per household: FEMA approved $771.6 million for homeowners here, about $2,603 per registration, against an average paid flood claim of $14,606.
FEMA disaster aid helps with uninsured and underinsured losses, and is separate from NFIP insurance.
Source: FEMA OpenFEMA — Housing Assistance (Owners); FEMA OpenFEMA — NFIP Claims. Data effective owner registrations by disaster; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Reconciliation & data completeness
Our record counts match the API's own totals; FEMA's official policy count is not yet joined for Michigan.
In-force count: 19,685 policy units (from 17,882 API records; condo-association records carry more than one unit). Count reconciliation (not a snapshot proof): policies: 17882/17882 fetched; claims: 14954/14954 fetched.
What this data cannot tell you
- Your own premium — it depends on elevation, coverage and deductible. We show where existing policies fall.
- Private (non-NFIP) flood insurance prices.
- Your address's exact flood zone — use FEMA's Flood Map Service Center.
- Why any one premium changes — we show the gap to full-risk, not the cause.
- A year-over-year premium trend — the in-force snapshot holds only current-term policies, so a like-for-like multi-year index isn't possible from this data. A per-effective-year median is shown only where several years of policies exist.
The federal datasets behind this page
Every figure comes from a public U.S. federal dataset; estimates are labeled where they appear. This page joins 8 of them for Michigan. Last pulled October 26, 2026.
- FEMA OpenFEMA — NFIP Policies
- FEMA OpenFEMA — NFIP Claims
- FEMA — National Risk Index (flood)
- FEMA OpenFEMA — NFIP Community Status Book (CRS)
- FEMA OpenFEMA — Disaster Declarations Summaries
- FEMA OpenFEMA — Housing Assistance (Owners)
- FEMA OpenFEMA — Repetitive-Loss Flood Properties
- FEMA OpenFEMA — NFIP Residential Penetration Rates