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Flood insurance cost · MI

Flood insurance cost in Michigan

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 15,244 home policies in force on August 31, 2026.

MichiganPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$830a year

Half of insured homes paid between $631 and $1,158. That is 23% less than the national median ($1,082). Most insured homes here are rated in zone AE (62%).

$0$631 · $830 · $1,158$1,448
+3.6% vs Aug 31, 2025 (median $801)
15,244home policies in force
$981average cost (mean)
73%of insured homes in high-risk zones (A, V)
$220,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Michigan, county by county.

Cost by flood zone in Michigan

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$843$678–$1,169$1,02394 (1%)−0.6%
Zone AE
High risk		$848$657–$1,166$1,0199,446 (62%)+3.7%
Zone A
High risk		$944$703–$1,348$1,1391,442 (9%)+4.4%
Zone AO
High risk, shallow		$1,009$752–$1,371$1,115117 (1%)+13.5%
Zone AH
High risk, shallow		$878$705–$1,072$99012 (0%)+3.9%
Zone X
Moderate to low risk		$739$545–$1,068$8344,128 (27%)+2.4%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Michigan, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home14,428$835$990
2–4 unit building184$952$1,083
Manufactured (mobile) home214$910$1,041
Condo or apartment unit418$490$592
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		605$1,957$2,786
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,265$1,970$2,850
17,114NFIP policies in force, any building
18,859insured units (condo association policies count every unit)
55%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Michigan

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force15,55015,244−2.0%
Median annual cost$801$830+3.6%
Average annual cost$935$981+4.9%
All policies in force (any building)17,45417,114−1.9%

Flood claims history

Since 1978, NFIP policyholders in Michigan have filed 14,954 flood claims. 10,285 received a payment, for a total of $150.4 million (an average of $14,623 per paid claim). The year with the most claims was 1985 (1,967 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 87 claims, 58 paid, $248,326 in total1979: 198 claims, 127 paid, $482,238 in total1980: 472 claims, 359 paid, $1,251,664 in total19801981: 470 claims, 344 paid, $1,477,168 in total1982: 543 claims, 430 paid, $1,636,438 in total1983: 318 claims, 210 paid, $801,054 in total1984: 124 claims, 48 paid, $242,160 in total1985: 1,967 claims, 1,363 paid, $7,207,086 in total19851986: 1,898 claims, 1,401 paid, $7,829,758 in total19861987: 251 claims, 160 paid, $468,998 in total1988: 65 claims, 24 paid, $449,971 in total1989: 143 claims, 92 paid, $725,524 in total1990: 119 claims, 46 paid, $223,451 in total19901991: 54 claims, 25 paid, $525,219 in total1992: 21 claims1993: 53 claims, 18 paid, $320,076 in total1994: 73 claims, 33 paid, $218,778 in total1995: 26 claims, 13 paid, $96,150 in total1996: 188 claims, 108 paid, $1,160,018 in total1997: 276 claims, 162 paid, $1,692,292 in total1998: 347 claims, 192 paid, $2,413,730 in total1999: 55 claims, 29 paid, $86,191 in total2000: 245 claims, 99 paid, $698,877 in total20002001: 213 claims, 102 paid, $1,589,942 in total2002: 52 claims, 21 paid, $118,701 in total2003: 43 claims, 10 paid, $43,143 in total2004: 545 claims, 412 paid, $5,863,066 in total2005: 75 claims, 41 paid, $543,552 in total2006: 85 claims, 42 paid, $463,916 in total2007: 51 claims, 29 paid, $395,204 in total2008: 303 claims, 236 paid, $2,951,850 in total2009: 230 claims, 167 paid, $2,153,588 in total2010: 74 claims, 40 paid, $307,027 in total20102011: 292 claims, 204 paid, $2,057,569 in total2012: 114 claims, 80 paid, $930,805 in total2013: 485 claims, 362 paid, $8,862,471 in total2014: 788 claims, 526 paid, $10,040,948 in total2015: 97 claims, 38 paid, $439,994 in total2016: 117 claims, 62 paid, $720,756 in total2017: 322 claims, 252 paid, $7,647,674 in total2018: 549 claims, 447 paid, $15,900,852 in total2019: 604 claims, 417 paid, $6,733,583 in total2020: 817 claims, 674 paid, $33,764,784 in total202020202021: 343 claims, 249 paid, $3,876,246 in total2022: 47 claims, 19 paid, $445,579 in total2023: 292 claims, 202 paid, $5,184,628 in total2024: 97 claims, 59 paid, $957,924 in total2025: 54 claims, 36 paid, $875,942 in total2026: 272 claims, 215 paid, $7,239,818 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026272215$7,239,818$33,674
20255436$875,942$24,332
20249759$957,924$16,236
2023292202$5,184,628$25,666
20224719$445,579$23,452
2021343249$3,876,246$15,567
2020817674$33,764,784$50,096
2019604417$6,733,583$16,148
2018549447$15,900,852$35,572
2017322252$7,647,674$30,348
201611762$720,756$11,625
20159738$439,994$11,579
2014788526$10,040,948$19,089
2013485362$8,862,471$24,482
201211480$930,805$11,635
2011292204$2,057,569$10,086
20107440$307,027$7,676
2009230167$2,153,588$12,896
2008303236$2,951,850$12,508
20075129$395,204$13,628
20068542$463,916$11,046
20057541$543,552$13,257
2004545412$5,863,066$14,231
20034310$43,143$4,314
20025221$118,701$5,652
2001213102$1,589,942$15,588
200024599$698,877$7,059
19995529$86,191$2,972
1998347192$2,413,730$12,572
1997276162$1,692,292$10,446
1996188108$1,160,018$10,741
19952613$96,150$7,396
19947333$218,778$6,630
19935318$320,076$17,782
199221<10––
19915425$525,219$21,009
199011946$223,451$4,858
198914392$725,524$7,886
19886524$449,971$18,749
1987251160$468,998$2,931
19861,8981,401$7,829,758$5,589
19851,9671,363$7,207,086$5,288
198412448$242,160$5,045
1983318210$801,054$3,815
1982543430$1,636,438$3,806
1981470344$1,477,168$4,294
1980472359$1,251,664$3,487
1979198127$482,238$3,797
19788758$248,326$4,281

From 2016 to 2026: 3,514 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Michigan

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Alcona County33$837
Alger County18$1,033
Alpena County48$1,098
Antrim County23$973
Benzie County21$1,311
Branch County75$1,009
Cass County49$951
Charlevoix County40$860
Cheboygan County71$1,253
Chippewa County69$833
Clare County33$649
Clinton County77$830
Crawford County25$928
Delta County43$984
Dickinson County24$594
Emmet County57$978
Gladwin County37$857
Gogebic County12$835
Gratiot County51$1,405
Hillsdale County22$992
Ionia County87$1,227
Lake County14$1,326
Lapeer County48$908
Lenawee County55$1,052
Mackinac County38$945
Manistee County37$1,047
Marquette County37$894
Mason County47$1,007
Mecosta County53$1,400
Menominee County60$1,274
Montcalm County13$1,627
Muskegon County74$1,040
Newaygo County89$1,401
Oceana County43$1,318
Ontonagon County12$1,090
Osceola County41$1,064
Sanilac County28$1,022
St. Joseph County83$1,291
Tuscola County97$1,114
Van Buren County64$859
Wexford County40$754

ZIP codes with the most insured homes