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Flood insurance cost · Monroe County, MI

Flood insurance cost in Monroe County, Michigan

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 791 home policies in force on August 31, 2026.

Monroe County, MichiganPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,120a year

Half of insured homes paid between $810 and $1,728. That is 35% more than the Michigan median ($830). Most insured homes here are rated in zone AE (76%).

$0$810 · $1,120 · $1,728$2,160
+11.2% vs Aug 31, 2025 (median $1,007)
791home policies in force
$1,417average cost (mean)
88%of insured homes in high-risk zones (A, V)
$172,000median 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 Monroe 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		$1,183$852–$1,237$1,13910 (1%)+16.8%
Zone AE
High risk		$1,221$836–$1,948$1,536599 (76%)+10.5%
Zone A
High risk		$698$610–$812$71714 (2%)+6.7%
Zone AO
High risk, shallow		$1,049$768–$1,403$1,16077 (10%)+9.0%
Zone X
Moderate to low risk		$992$766–$1,160$99091 (12%)+8.1%

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

Type of buildingPoliciesMedianAverage
Single-family home759$1,130$1,426
Manufactured (mobile) home22$882$1,222
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.		16$3,462$3,388
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		24$1,570$2,703

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

831NFIP policies in force, any building
886insured units (condo association policies count every unit)
37%of home policies also cover contents
$46,000median contents coverage, when bought

One year on: Monroe 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 force855791−7.5%
Median annual cost$1,007$1,120+11.2%
Average annual cost$1,323$1,417+7.1%
All policies in force (any building)895831−7.2%

How many homes have flood insurance?

1.4%of all homes in Monroe County have an NFIP policy
19.3%of homes in high-risk zones (special flood hazard area) have one
58,701residential buildings counted by FEMA
3,764of 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 Monroe County, Michigan have filed 1,688 flood claims. 1,324 received a payment, for a total of $10.1 million (an average of $7,621 per paid claim). The year with the most claims was 1985 (563 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 19 claims, 16 paid, $27,947 in total1980: 230 claims, 192 paid, $666,148 in total198019801981: 11 claims1982: 103 claims, 93 paid, $394,023 in total1983: 35 claims, 27 paid, $80,533 in total1984: 35 claims, 23 paid, $52,268 in total1985: 563 claims, 468 paid, $2,472,264 in total19851986: 103 claims, 75 paid, $288,203 in total1987: 25 claims, 18 paid, $42,795 in total1989: 10 claims1990: 26 claims, 16 paid, $64,511 in total19901997: 28 claims, 21 paid, $109,436 in total1998: 144 claims, 116 paid, $934,807 in total199820002006: 12 claims2009: 39 claims, 28 paid, $268,319 in total20102011: 30 claims, 26 paid, $218,207 in total2015: 30 claims, 14 paid, $111,812 in total2018: 103 claims, 90 paid, $2,614,755 in total2019: 24 claims, 19 paid, $440,826 in total20202023: 37 claims, 29 paid, $941,941 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233729$941,941$32,481
20192419$440,826$23,201
201810390$2,614,755$29,053
20153014$111,812$7,987
20113026$218,207$8,393
20093928$268,319$9,583
200612<10––
1998144116$934,807$8,059
19972821$109,436$5,211
19902616$64,511$4,032
198910<10––
19872518$42,795$2,378
198610375$288,203$3,843
1985563468$2,472,264$5,283
19843523$52,268$2,273
19833527$80,533$2,983
198210393$394,023$4,237
198111<10––
1980230192$666,148$3,470
19781916$27,947$1,747

From 2016 to 2026: 164 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.

Main NFIP communities in the county

Frenchtown (158 home policies) · Luna Pier (136 home policies) · Monroe (112 home policies) · Estral Beach (70 home policies) · Bedford (66 home policies) · Monroe (63 home policies)