Flood history / Michigan
Michigan
flood claim history.
Across the 27 Michigan ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $67.2M on 7,260 claims between 1978 and 2026. ZIP 48173 in Wayne County carries the most at 753, 10.4% of the state total shown here.
The events driving the most paid claims across these ZIPs are Hurricane Ike (18 claims) and 2026-04-Flooding (5 claims).
20.5% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Michigan ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 48173 | Wayne County | 753 | $3.2M | 1985 356 |
| 48125 | Wayne County | 690 | $3.4M | 2014 173 |
| 48640 | Midland County | 499 | $25.1M | 2020 216 |
| 48045 | Macomb County | 462 | $1.3M | 1986 211 |
| 48161 | Monroe County | 350 | $2.0M | 1985 139 |
| 48215 | Wayne County | 322 | $1.9M | 2021 87 |
| 48001 | St. Clair County | 317 | $1.7M | 1986 86 |
| 48166 | Monroe County | 303 | $1.4M | 1985 109 |
| 48023 | St. Clair County | 299 | $734K | 1985 118 |
| 48706 | Bay County | 298 | $1.3M | 1986 116 |
| 48145 | Monroe County | 270 | $2.4M | 1985 86 |
| 48157 | Monroe County | 266 | $1.4M | 1985 133 |
| 48081 | Macomb County | 250 | $313K | 1986 153 |
| 48028 | St. Clair County | 246 | $686K | 1986 100 |
| 48133 | Monroe County | 212 | $710K | 1980 53 |
| 48047 | Macomb County | 188 | $1.3M | 1986 56 |
| 49058 | Barry County | 177 | $2.0M | 2004 35 |
| 48601 | Saginaw County | 175 | $1.0M | 1986 34 |
| 48162 | Monroe County | 174 | $1.6M | 1985 32 |
| 48609 | Saginaw County | 170 | $4.0M | 2020 104 |
| 48638 | Saginaw County | 167 | $4.2M | 2020 48 |
| 48039 | St. Clair County | 121 | $324K | 1987 51 |
| 49525 | Kent County | 119 | $1.5M | 2013 30 |
| 48080 | Macomb County | 110 | $127K | 1986 50 |
| 49001 | Kalamazoo County | 109 | $2.7M | 2008 17 |
| 48239 | Wayne County | 108 | $401K | 2011 16 |
| 48864 | Ingham County | 105 | $502K | 1982 29 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.