Michigan
flood insurance data
- The median paid claim, $11,176, is 70.0% below the national median of the same years ($37,248), the 13th lowest of 51 States and territories.
- Of the 262,621 owner registrations FEMA inspected in Michigan after disasters of every declared type, 0.2% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4757, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2024-02-08), with 86,317.
- Michigan counts 12 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 8th fewest of 53 States and territories. Flood declarations are the most frequent (6), ahead of Severe Storm (5) and Hurricane (1).
- The median NFIP premium in Michigan, $830, is 21.3% below the national median ($1,055); it is the 8th lowest of 53 States and territories.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Michigan
NFIP premiums: what NFIP policyholders paid, not a quote. Across 15,740 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $830, and half of them fall between $631 (Q1) and $1,158 (Q3).
Residential NFIP policies counted by FEMA fell 16.0% between 2019 (18,738) and 2025 (15,740); the count peaked in 2020 (19,289). Inside the Special Flood Hazard Area (SFHA), the median premium in Michigan is $853, 12.4% higher than outside it ($759); most of its zoned policies sit inside the SFHA (73.9%). Of the 4 zones listed (AE, X, A, AO), zone A has the highest median premium ($928) and zone X the lowest ($759). No coastal V or VE zone is listed.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 11,625 | $656 | $853 | $1,196 |
| Outside SFHA (X, B, C) | 4,107 | $563 | $759 | $1,079 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 9,907 | $650 | $843 | $1,173 |
| X | 4,107 | $563 | $759 | $1,079 |
| A | 1,494 | $695 | $928 | $1,326 |
| AO | 123 | $713 | $905 | $1,276 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 18,738 |
| 2020 | 19,289 |
| 2021 | 18,728 |
| 2022 | 17,313 |
| 2023 | 16,540 |
| 2024 | 16,339 |
| 2025 | 15,740 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 15,740 policies.
NFIP paid building claims in Michigan
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 2,404 paid claims; median $11,176, half of them between $4,352 (Q1) and $33,983 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $13,462, a monetary adjustment, not today’s cost of repair.
The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2020, holds 27.9% of them. With 2,404 paid claims (year of loss 2015-2024), Michigan has the 19th most of 53 States and territories.
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 38 |
| 2016 | 61 |
| 2017 | 250 |
| 2018 | 444 |
| 2019 | 415 |
| 2020 | 670 |
| 2021 | 248 |
| 2022 | 19 |
| 2023 | 200 |
| 2024 | 59 |
FEMA disaster declarations
Since 2000: 12 flood, hurricane and severe-storm declarations (DR and EM) covering Michigan, 11 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 6 |
| Hurricane | 1 |
| Severe Storm | 5 |
Latest declarations
- DR-4925: SEVERE STORMS, TORNADOES, AND FLOODING (Flood, 2026-06-30)
- DR-4757: SEVERE STORMS, TORNADOES, AND FLOODING (Flood, 2024-02-08)
- DR-4607: SEVERE STORMS, FLOODING, AND TORNADOES (Severe Storm, 2021-07-15)
- DR-4381: SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Flood, 2018-08-02)
- DR-4326: SEVERE STORMS AND FLOODING (Severe Storm, 2017-08-02)
FEMA assistance to homeowners
Since 2002: 262,621 owner registrations inspected by FEMA in Michigan after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 34,154 |
| $1-$10,000 | 221,648 |
| $10,001-$20,000 | 5,676 |
| $20,001-$30,000 | 663 |
| More than $30,000 | 480 |
Disasters with the most inspections
- DR-4757, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2024-02-08): 86,317 inspections
- DR-4195, SEVERE STORMS AND FLOODING (declared 2014-09-25): 73,569 inspections
- DR-1527, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2004-06-30): 47,850 inspections
- DR-4607, SEVERE STORMS, FLOODING, AND TORNADOES (declared 2021-07-15): 43,314 inspections
- DR-4925, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2026-06-30): 6,532 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 1,275 NFIP communities in Michigan: 1,076 participate in the NFIP and 30 (2.4%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Midland, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Michigan dates from 1977-08-05 (Boardman, Township of). 199 of these communities do not participate in the NFIP; 199 carry a sanction, 12 coded as a suspension and 1 as a withdrawal.
| CRS class | Communities |
|---|---|
| 5 | 1 |
| 6 | 2 |
| 7 | 7 |
| 8 | 5 |
| 9 | 7 |
| 10 | 8 |
Questions about flood insurance in Michigan
How much is flood insurance in Michigan?
NFIP policyholders in Michigan paid a median of $830 for residential policies effective 2025 (15,740 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $631 and $1,158; $853 inside the Special Flood Hazard Area against $759 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Michigan had?
2,404 NFIP building claims were paid (year of loss 2015-2024), with a median of $11,176; the year with the most was 2020 (670). These are amounts paid, not repair cost.
Is Michigan in a flood zone?
Of the residential NFIP policies of Michigan (policies effective 2025), 11,625 are rated inside the Special Flood Hazard Area and 4,107 outside it (zones listed: AE, X, A, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
- 0 residential 2025 policies with policyCost <= 0 or empty are left out; 8 kept policies have zone D or an unknown zone (in n, not in the zone tables).
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).