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Flood insurance cost · Macomb County, MI

Flood insurance cost in Macomb County, Michigan

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,320 home policies in force on August 31, 2026.

Macomb County, MichiganPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$824a year

Half of insured homes paid between $670 and $1,050. That is about the same as the Michigan median ($830). Most insured homes here are rated in zone AE (72%).

$0$670 · $824 · $1,050$1,312
+2.2% vs Aug 31, 2025 (median $806)
1,320home policies in force
$906average cost (mean)
76%of insured homes in high-risk zones (A, V)
$250,000median 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.

Cost by flood zone in Macomb County

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		$716$637–$914$77616 (1%)−4.5%
Zone AE
High risk		$826$675–$1,031$915950 (72%)+2.0%
Zone A
High risk		$802$660–$961$87935 (3%)+5.4%
Zone X
Moderate to low risk		$824$660–$1,116$890318 (24%)+4.4%

Not shown (fewer than 10 home policies): AO, AH, 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 Macomb County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,224$838$924
Manufactured (mobile) home29$885$851
Condo or apartment unit59$505$549
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.		26$2,382$2,834
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		52$2,248$2,908

Not shown (fewer than 10 policies): 2–4 unit building.

1,398NFIP policies in force, any building
1,515insured units (condo association policies count every unit)
62%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Macomb County

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 force1,3751,320−4.0%
Median annual cost$806$824+2.2%
Average annual cost$870$906+4.1%
All policies in force (any building)1,4571,398−4.0%

How many homes have flood insurance?

0.5%of all homes in Macomb County have an NFIP policy
29.8%of homes in high-risk zones (special flood hazard area) have one
296,724residential buildings counted by FEMA
3,449of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Macomb County, Michigan have filed 1,438 flood claims. 941 received a payment, for a total of $9,012,895 (an average of $9,578 per paid claim). The year with the most claims was 1986 (515 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 13 claims1980: 22 claims19801981: 47 claims, 35 paid, $291,123 in total1982: 22 claims, 12 paid, $23,696 in total1983: 13 claims1985: 185 claims, 108 paid, $360,469 in total19851986: 515 claims, 400 paid, $658,205 in total19861987: 47 claims, 28 paid, $30,280 in total1988: 11 claims19901997: 30 claims, 13 paid, $144,488 in total2000: 13 claims20002001: 23 claims2004: 79 claims, 65 paid, $1,440,541 in total2008: 20 claims, 13 paid, $228,724 in total2009: 11 claims20102011: 13 claims2014: 102 claims, 62 paid, $2,888,754 in total20142019: 57 claims, 46 paid, $697,724 in total2020: 29 claims, 21 paid, $430,625 in total20202021: 19 claims, 12 paid, $142,248 in total2023: 31 claims, 19 paid, $492,940 in total2025: 11 claims, 10 paid, $228,334 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251110$228,334$22,833
20233119$492,940$25,944
20211912$142,248$11,854
20202921$430,625$20,506
20195746$697,724$15,168
201410262$2,888,754$46,593
201113<10––
200911<10––
20082013$228,724$17,594
20047965$1,440,541$22,162
200123<10––
200013<10––
19973013$144,488$11,114
198811<10––
19874728$30,280$1,081
1986515400$658,205$1,646
1985185108$360,469$3,338
198313<10––
19822212$23,696$1,975
19814735$291,123$8,318
198022<10––
197913<10––

From 2016 to 2026: 147 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.

ZIP codes in Macomb County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Harrison (373 home policies) · St. Clair Shores (311 home policies) · Chesterfield (220 home policies) · Clinton (91 home policies) · New Baltimore (84 home policies) · Macomb (50 home policies)