Flood insurance in Michigan: cost by ZIP code and county
On July 31, 2026, Michigan counted 14,901 single-family flood policies with a median bill of $832.
Median single-family flood bill, Michigan
$832
14,901 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $859 |
| Policies still below their full-risk price | 28 % |
| Median paid in August 2023 | $756 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $4,295 |
| Median claim paid, 2016 to 2025 (2,100 claims) | $10,690 |
Compiled by Radif Partners · Where the numbers come from · 413 ZIP codes and 72 counties of Michigan in FEMA's tables · not a quote
Michigan is a small flood insurance market for its size: 14,901 single-family policies in the federal program on July 31, 2026, with a median yearly bill of $832, which counts the premium, the Reserve Fund Assessment, the HFIAA surcharge and the policy fee. That median is below the national $1,081, and it is near its own full-risk level: priced at full risk the same policies would have a median of $859, and 28 % still pay less than their full-risk premium, against 47 % nationally. The book leans heavily to mapped high-risk areas: 73 % of policies are in A zones (median $858), the zones where a federally backed mortgage requires coverage. FEMA's 2023 tables also rate Great Lakes exposure, and 19 % of Michigan policies were exposed to it in 2023. From 2016 to 2025, the state had 2,100 paid single-family claims, median $10,690.
Few policies, mostly where a lender asks
Only 3,912 Michigan single-family policies were written in X zones on July 31, 2026, where buying is voluntary, against 10,889 in A zones. The X-zone median bill was $749, not far below the A-zone figure, because a large part of any small bill is fixed: the $47 Federal Policy Fee and the $25 HFIAA surcharge for a main home do not depend on risk.
The claims show the cost of that gap in coverage. 561 of the state's paid claims over the decade came from X, B or C zones, with a median of $8,731. No single flood event paid enough Michigan claims over those years to stand out as a named event in the file.
Set a bill against the Michigan medians
Single-family flood policies in Michigan
$832
| Median full-risk price, same policies | $859 |
| Still below their full-risk price | 28 % |
| Median paid in August 2023 | $756 |
| Gap left from the bill entered | 1 renewal at 18 % |
Detroit area: Wayne, Oakland, Macomb and St. Clair
Wayne County, which includes Detroit, holds 3,057 policies, about 21 % of the state. Its median bill of $703 is already at full risk for most homes (20 % capped). The county also has the most paid claims in the state, 433, with a median of $6,488. Oakland County is cheaper still at $630.
On Lake St. Clair and the St. Clair River, Macomb and St. Clair counties together carry 2,535 policies at medians of $827 and $794.
Monroe, Saginaw and Ingham
Monroe County, on Lake Erie, stands apart. Its median bill was $1,126 on July 31, 2026, but the full-risk median is $1,685 and 55 % of its policies are still capped, the most of any large Michigan county. At 18 % a year, closing that distance takes several renewals.
Saginaw County shows the other risk: the largest losses. Its 181 paid claims had a median of $30,721, 2.9 times the state median, against a modest median bill of $920. Ingham County, around Lansing, has the highest median bill among the large counties, $1,158. The claims guide puts these sizes in national context, and the zone guide explains A and X.
The Michigan counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Wayne County | 3,057 | $703 | $716 | 20 % | 1 | $657 | $6,488 |
| Macomb County | 1,271 | $827 | $858 | 28 % | 1 | $758 | $8,021 |
| St. Clair County | 1,264 | $794 | $812 | 26 % | 1 | $729 | $2,433 |
| Monroe County | 787 | $1,126 | $1,685 | 55 % | 3 | $830 | $16,818 |
| Oakland County | 951 | $630 | $633 | 13 % | 1 | $602 | $5,753 |
| Saginaw County | 768 | $920 | $944 | 29 % | 1 | $862 | $30,721 |
| Bay County | 368 | $930 | $987 | 35 % | 1 | $817 | $11,444 |
| Ingham County | 529 | $1,158 | $1,209 | 30 % | 1 | $925 | $5,686 |
Full-risk prices of Michigan homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 9,673 | 63.2 % | $352,323 |
| $1,000 to $2,000 | 4,062 | 26.6 % | $376,588 |
| $2,000 to $3,000 | 948 | 6.2 % | $385,173 |
| $3,000 to $4,000 | 333 | 2.2 % | $407,061 |
| $4,000 to $5,000 | 154 | 1.0 % | $430,520 |
| $5,000 or more | 128 | 0.8 % |