Michigan Home-Insurance Distress by County

Home-insurance distress across Michigan is below the national average, with an average county insurance-distress score of 28/100 — the 24th-highest of the 52 states and territories DLRadar scores. DLRadar tracks all 83 Michigan counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

Over three years, Michigan counties recorded 5,655 NFIP flood claims totaling $63,543,520 paid — the loss history insurers convert into higher premiums the next renewal.

The Michigan insurance-distress score is a composite rather than a single premium figure: it blends FEMA physical-hazard exposure, NFIP flood-claim history, and a carrier-pressure proxy that captures where insurers are raising rates or declining to renew, so a county can rank high on hazard yet moderate on realized losses, or the reverse.

The Michigan numbers refresh monthly as FEMA hazard revisions, new NFIP claim settlements and carrier filings arrive, so the state's 28/100 average and county ranking reflect the current renewal environment rather than a stale historical read.

The takeaway for Michigan is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

Statewide, the pressure is driven by an average FEMA hazard score of 28/100 and average NFIP flood-claim stress of 31/100 — the exposures carriers price against and increasingly decline to renew, and why Michigan premiums climb faster than incomes.

Across Michigan, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

The Michigan average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

At the top of the Michigan table sits Wayne County (67/100) and Oakland County. All Michigan counties are listed below in distress order, each one clickable for the detail.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. So in Michigan you can find the owners whose breaking point is the insurance bill, before they list.