Flood data for Michigan
Published NFIP policy and loss records, alongside a way to check the map.
Average annual premium and federal policy fee per policy unit
$868
As of 2026-08-31. A portfolio average, not a quote for a home.
- Policies in force, including condo units
- 19,005
- Cumulative recorded losses
- 14,953
- Net dollars paid
- $150,097,746
Cumulative losses in the HUDEX report through August 31, 2026. Loss counts include claims closed without payment. No annual series or first loss year is stated in this report.
Find a flood zone in Michigan.
County policy and loss records
State policy mix by rated zone group
These are insured policy units grouped by their rated zones, not a percentage of the state’s land or homes.
| Rated group | Policy units | Share of insured units |
|---|---|---|
| All A zones combined | 13,819 | 72.7% |
| All V zones combined | 103 | 0.5% |
| Zone D | 11 | 0.1% |
| Emergency program | 14 | 0.1% |
| Unknown or invalid rated zone | 73 | 0.4% |
| X, B and C zones combined | 4,985 | 26.2% |
Largest recorded loss years
Published net claim payments from 1978 through 2026, grouped by year of loss. Dollar amounts are nominal. The 2026-09-08 OpenFEMA claims release is a separate population from the policy workbook above.
All published years and net payments
| Year of loss | Net payments |
|---|---|
| 1978 | $248,326 |
| 1979 | $482,238 |
| 1980 | $1,251,664 |
| 1981 | $1,477,168 |
| 1982 | $1,636,438 |
| 1983 | $801,054 |
| 1984 | $242,160 |
| 1985 | $7,207,086 |
| 1986 | $7,829,758 |
| 1987 | $468,998 |
| 1988 | $449,971 |
| 1989 | $725,524 |
| 1990 | $223,451 |
| 1991 | $525,219 |
| 1992 | $31,948 |
| 1993 | $320,076 |
| 1994 | $218,778 |
| 1995 | $96,150 |
| 1996 | $1,145,801 |
| 1997 | $1,689,832 |
| 1998 | $2,405,785 |
| 1999 | $86,191 |
| 2000 | $695,625 |
| 2001 | $1,577,938 |
| 2002 | $118,501 |
| 2003 | $43,143 |
| 2004 | $5,840,066 |
| 2005 | $543,552 |
| 2006 | $463,916 |
| 2007 | $395,204 |
| 2008 | $2,948,850 |
| 2009 | $2,123,841 |
| 2010 | $306,966 |
| 2011 | $2,044,114 |
| 2012 | $928,805 |
| 2013 | $8,830,081 |
| 2014 | $10,040,614 |
| 2015 | $439,994 |
| 2016 | $720,756 |
| 2017 | $7,647,674 |
| 2018 | $15,896,418 |
| 2019 | $6,733,583 |
| 2020 | $33,654,782 |
| 2021 | $3,871,246 |
| 2022 | $445,579 |
| 2023 | $5,184,628 |
| 2024 | $957,924 |
| 2025 | $875,942 |
| 2026 | $7,239,818 |
Records without payment are included in counts. Missing county records are retained in national controls and are not allocated to counties. OpenFEMA NFIP redacted claims V3.
Data and methodology
Complete official HUDEX report, summed across its community rows within each geocoded county FIPS. Policy Count includes condominium units under master policies. Average premium is Total Premium + Federal Policy Fee divided by Policy Count; this is an aggregate per policy unit, not a property quote. Loss counts include losses closed without payment. Total Net Dollars Paid is cumulative in this report, including the source's adjustments. The report does not specify the first loss year or split losses by year, so a starting year and annual breakdown are not inferred. Unassigned county records are retained in state totals separately. No record sampling.