Flood history · Michigan

Flood insurance claims in Michigan

14,709 claims and $148.6 million paid since 1978. Find your ZIP code.

14,709claims since 1978

$148.6 millionpaid to policyholders

64ZIP codes with 50+ claims

Claims by year

Biggest flood events

Event (top events per ZIP)	Year	Claims
Unnamed flooding	1986	2,827
2026-04-Flooding	2026	173
Hurricane Ike	2008	112

Michigan ZIP codes by flood claims

ZIP codes with at least 50 claims. Select one for its full history.

ZIP	Place	County	Claims	Paid	Last 10 yrs
48173	Rockwood	Wayne	753	$3.2 million	58
48125	Dearborn Heights	Wayne	691	$3.4 million	151
48640	Midland	Midland	499	$24.9 million	377
48045	Harrison Township	Macomb	462	$1.3 million	45
48161	Monroe	Monroe	350	$2.0 million	32
48215	Detroit	Wayne	322	$1.9 million	129
48001	Algonac	St. Clair	317	$1.7 million	109
48166	Newport	Monroe	303	$1.4 million	37
48023	Fair Haven	St. Clair	299	$703,995	31
48706	Bay City	Bay	298	$1.3 million	35
48145	La Salle	Monroe	270	$2.4 million	45
48157	Luna Pier	Monroe	266	$1.4 million	16
48081	Saint Clair Shores	Macomb	250	$312,749	11
48028	Harsens Island	St. Clair	246	$656,289	73
48133	Erie	Monroe	212	$702,892	4
48047	New Baltimore	Macomb	188	$1.3 million	56
48601	Saginaw	Saginaw	177	$1.0 million	24
49058	Hastings	Barry	177	$2.0 million	42
48162	Monroe	Monroe	174	$1.6 million	37
48609	Saginaw	Saginaw	171	$4.0 million	121
48638	Saginaw	Gladwin	166	$4.1 million	80
48039	Marine City	St. Clair	121	$324,038	8
49525	Grand Rapids	Kent	119	$1.5 million	33
48080	Saint Clair Shores	Macomb	110	$126,986	3
49001	Kalamazoo	Kalamazoo	109	$2.7 million	14
48239	Redford	Wayne	108	$400,835	27
48864	Okemos	Ingham	105	$492,609	23
48604	Saginaw	Saginaw	99	$333,859	10
49417	Grand Haven	Ottawa	96	$1.3 million	28
48054	East China	St. Clair	95	$1.3 million	44
48229	Ecorse	Wayne	95	$291,364	50
48082	Saint Clair Shores	Macomb	93	$159,431	3
49085	Saint Joseph	Berrien	93	$2.2 million	32
48334	Farmington	Oakland	93	$1.8 million	15
48507	Flint	Genesee	87	$917,344	7
49093	Three Rivers	St. Joseph	85	$1.3 million	18
49327	Grant	Newaygo	82	$2.1 million	19
49418	Grandville	Kent	82	$2.2 million	6
48124	Dearborn	Wayne	77	$339,949	15
48116	Brighton	Livingston	77	$623,030	18
48146	Lincoln Park	Wayne	71	$172,232	18
48821	Dimondale	Eaton	70	$251,910	7
48658	Standish	Arenac	70	$872,441	27
49321	Comstock Park	Kent	68	$740,001	9
48634	Linwood	Bay	67	$200,073	16
49073	Nashville	Barry	67	$583,708	18
48631	Kawkawlin	Bay	66	$442,950	13
49048	Kalamazoo	Kalamazoo	65	$979,332	18
48912	Lansing	Ingham	65	$1.1 million	11
48768	Vassar	Tuscola	63	$665,521	3
49337	Newaygo	Newaygo	62	$1.9 million	12
49548	Grand Rapids	Kent	62	$315,341	6
48910	Lansing	Ingham	62	$119,164	15
48439	Grand Blanc	Genesee	61	$301,511	17
48101	Allen Park	Wayne	61	$240,381	4
48138	Grosse Ile	Wayne	59	$383,796	5
48602	Saginaw	Saginaw	57	$1.1 million	6
49456	Spring Lake	Ottawa	54	$314,766	33
48867	Owosso	Shiawassee	54	$96,795	5
48192	Wyandotte	Wayne	54	$139,463	3
48180	Taylor	Wayne	53	$321,334	15
49631	Evart	Osceola	53	$1.3 million	16
48189	Whitmore Lake	Washtenaw	51	$512,916	2
48823	East Lansing	Ingham	50	$273,088	12

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Official FEMA flood zone, elevation and claims history for one property.

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Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.