Michigan Home-Insurance Distress by County

Michigan reads moderate for home-insurance distress — 83 counties averaging 31/100, 21st of 52 states.

Michigan's reading rests on a FEMA hazard average of 28/100 and NFIP flood-claim stress of 39/100.

Over three years Michigan counties filed 423 NFIP flood claims, $9,073,683 paid.

Highest in Michigan: Cheboygan County 68/100 (#683 US), Newaygo County 68/100 (#688 US), Grand Traverse County 66/100 (#730 US), Wexford County 66/100 (#737 US), Osceola County 65/100 (#761 US).

Michigan counties by insurance band: 32 medium (Michigan), 30 low, 21 zero; Michigan NFIP claims, three years: 423; Michigan payouts $9.1 million.

Michigan counties with the most NFIP claims: Wayne 70 ($980,100); Saginaw 43 ($401,056); Cheboygan 32 ($1.7 million) in Michigan; Newaygo 29 ($1.5 million); Genesee 23 ($287,768).

Michigan county average rose: 10.7 in March 2026; Michigan reads 33.8 in October 2026; Michigan by month: March 10.7, April 10.7, May 14.7 (Michigan), June 14.7, July 28.5, August 28.0 (Michigan), September 28.2, October 33.8.

Highest Michigan ZIPs, insurance distress: 60609 0 (climate 100), 60426 0 (climate 100) in Michigan, 60643 0 (climate 100), 60653 0 (climate 100) in Michigan, 60456 0 (climate 100), 60546 0 (climate 100) in Michigan.

Reading the Michigan bands: 0 of 83 Michigan counties sit in a high or worse insurance band; Michigan filed 423 NFIP claims in three years, $9.1 million paid to Michigan policyholders; a Michigan county's band moves when FEMA hazard revisions, new Michigan NFIP settlements or carrier filings change its monthly score.