Flood history · Spring Lake, MI 49456
Flood insurance claims in Spring Lake, MI 49456
54 claims since 1985 and $314,766 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 49456 since 1978.
What the record says
About 70% of claims here were on properties rated outside high-risk zones (zones X, B or C). A lower-risk zone on the map is not a guarantee.
Flooding here is recent: 33 claims (61%) were in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1986 | 9 | 17% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Ottawa County
Flood, hurricane and storm declarations since 2000.
4 flood, storm or hurricane declarations for Ottawa County since 2000.
Check a specific address in Spring Lake.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
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.