Updated April 2026
Flood Risk in Michigan
Michigan has 83 counties with flood risk data, 166 total NFIP flood insurance claims, and an average risk score of 9 out of 100.
83
Counties
166
NFIP Claims
$4,325,890
Total Payouts
9
Avg Risk Score
Grade Distribution
A
83
counties
B
0
counties
C
0
counties
D
0
counties
F
0
counties
All 83 Counties in Michigan
Sorted by flood risk score, highest to lowest.
| # | County | Grade | Score | Claims | Payouts | Disasters |
|---|---|---|---|---|---|---|
| 1 | Wayne | A | 19 | 33 | $399,653 | 6 |
| 2 | Saginaw | A | 18 | 12 | $303,253 | 6 |
| 3 | St. Clair | A | 17 | 9 | $32,518 | 4 |
| 4 | Berrien | A | 15 | 6 | $89,156 | 6 |
| 5 | Oakland | A | 12 | 5 | $93,280 | 4 |
| 6 | Allegan | A | 11 | 1 | $0 | 6 |
| 7 | Midland | A | 11 | 26 | $1,748,366 | 5 |
| 8 | Gogebic | A | 10 | 1 | $15,142 | 4 |
| 9 | Houghton | A | 10 | 0 | $0 | 4 |
| 10 | Ionia | A | 10 | 1 | $0 | 5 |
| 11 | Kent | A | 10 | 5 | $83,718 | 4 |
| 12 | Muskegon | A | 10 | 0 | $0 | 5 |
| 13 | Newaygo | A | 10 | 0 | $0 | 5 |
| 14 | Osceola | A | 10 | 0 | $0 | 5 |
| 15 | Ottawa | A | 10 | 2 | $11,971 | 5 |
| 16 | Arenac | A | 10 | 3 | $208,366 | 4 |
| 17 | Bay | A | 10 | 4 | $48,428 | 5 |
| 18 | Genesee | A | 10 | 5 | $184,443 | 5 |
| 19 | Gratiot | A | 10 | 0 | $0 | 4 |
| 20 | Huron | A | 10 | 0 | $0 | 4 |
| 21 | Ingham | A | 10 | 3 | $228,587 | 4 |
| 22 | Iosco | A | 10 | 2 | $2,163 | 4 |
| 23 | Isabella | A | 10 | 2 | $24,957 | 4 |
| 24 | Lapeer | A | 10 | 0 | $0 | 4 |
| 25 | Mecosta | A | 10 | 0 | $0 | 4 |
| 26 | Monroe | A | 10 | 9 | $284,528 | 5 |
| 27 | Montcalm | A | 10 | 0 | $0 | 4 |
| 28 | Oceana | A | 10 | 0 | $0 | 4 |
| 29 | Sanilac | A | 10 | 0 | $0 | 4 |
| 30 | Shiawassee | A | 10 | 0 | $0 | 5 |
| 31 | Tuscola | A | 10 | 0 | $0 | 5 |
| 32 | Van Buren | A | 10 | 0 | $0 | 5 |
| 33 | Menominee | A | 9 | 3 | $0 | 3 |
| 34 | Baraga | A | 9 | 0 | $0 | 3 |
| 35 | Barry | A | 9 | 3 | $2,956 | 3 |
| 36 | Keweenaw | A | 9 | 0 | $0 | 2 |
| 37 | Marquette | A | 9 | 0 | $0 | 3 |
| 38 | Ontonagon | A | 9 | 0 | $0 | 3 |
| 39 | Alcona | A | 9 | 0 | $0 | 2 |
| 40 | Calhoun | A | 9 | 2 | $17,764 | 3 |
| 41 | Cass | A | 9 | 0 | $0 | 2 |
| 42 | Clare | A | 9 | 0 | $0 | 3 |
| 43 | Clinton | A | 9 | 1 | $4,842 | 2 |
| 44 | Crawford | A | 9 | 0 | $0 | 2 |
| 45 | Eaton | A | 9 | 2 | $0 | 3 |
| 46 | Gladwin | A | 9 | 0 | $0 | 2 |
| 47 | Iron | A | 9 | 0 | $0 | 2 |
| 48 | Jackson | A | 9 | 0 | $0 | 2 |
| 49 | Kalamazoo | A | 9 | 8 | $69,762 | 2 |
| 50 | Lake | A | 9 | 1 | $53,065 | 3 |
| 51 | Livingston | A | 9 | 1 | $7,820 | 3 |
| 52 | Manistee | A | 9 | 0 | $0 | 2 |
| 53 | Mason | A | 9 | 0 | $0 | 3 |
| 54 | St. Joseph | A | 9 | 2 | $96,401 | 2 |
| 55 | Washtenaw | A | 9 | 1 | $96,605 | 2 |
| 56 | Alger | A | 8 | 0 | $0 | 1 |
| 57 | Alpena | A | 8 | 0 | $0 | 1 |
| 58 | Antrim | A | 8 | 0 | $0 | 1 |
| 59 | Benzie | A | 8 | 0 | $0 | 1 |
| 60 | Branch | A | 8 | 2 | $56,267 | 1 |
| 61 | Charlevoix | A | 8 | 0 | $0 | 1 |
| 62 | Cheboygan | A | 8 | 1 | $760 | 1 |
| 63 | Chippewa | A | 8 | 0 | $0 | 1 |
| 64 | Delta | A | 8 | 1 | $8,304 | 1 |
| 65 | Dickinson | A | 8 | 0 | $0 | 1 |
| 66 | Emmet | A | 8 | 0 | $0 | 1 |
| 67 | Grand Traverse | A | 8 | 0 | $0 | 1 |
| 68 | Hillsdale | A | 8 | 0 | $0 | 1 |
| 69 | Kalkaska | A | 8 | 0 | $0 | 1 |
| 70 | Leelanau | A | 8 | 0 | $0 | 1 |
| 71 | Lenawee | A | 8 | 0 | $0 | 1 |
| 72 | Luce | A | 8 | 0 | $0 | 1 |
| 73 | Mackinac | A | 8 | 0 | $0 | 1 |
| 74 | Missaukee | A | 8 | 0 | $0 | 1 |
| 75 | Montmorency | A | 8 | 0 | $0 | 1 |
| 76 | Ogemaw | A | 8 | 0 | $0 | 1 |
| 77 | Oscoda | A | 8 | 0 | $0 | 1 |
| 78 | Otsego | A | 8 | 0 | $0 | 1 |
| 79 | Presque Isle | A | 8 | 0 | $0 | 1 |
| 80 | Roscommon | A | 8 | 0 | $0 | 1 |
| 81 | Schoolcraft | A | 8 | 0 | $0 | 1 |
| 82 | Wexford | A | 8 | 0 | $0 | 1 |
| 83 | Macomb | A | 7 | 9 | $152,815 | 7 |