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Michigan ZIP codes with flood claims

330 ZIP codes with five or more National Flood Insurance Program claims since 1978. Each page shows claims and payouts by year, repetitive-loss counts and county context.

Most claims

ZIPCountyClaimsPaidAverage paid
48173Wayne County753$3.2M$6K
48125Wayne County691$3.4M$8K
48640Midland County499$25M$59K
48045Macomb County462$1.3M$4K
48161Monroe County350$2.0M$7K
48215Wayne County322$1.9M$8K
48001St. Clair County317$1.7M$9K
48166Monroe County303$1.4M$6K
48023St. Clair County299$734K$4K
48706Bay County298$1.3M$7K
48145Monroe County270$2.4M$11K
48157Monroe County266$1.4M$7K
48081Macomb County250$313K$2K
48028St. Clair County246$686K$4K
48133Monroe County212$710K$4K
48047Macomb County188$1.3M$10K
48601Saginaw County177$1.0M$9K
49058Barry County177$2.0M$13K
48162Monroe County174$1.6M$12K
48609Saginaw County171$4.0M$30K

All ZIP codes

Number after each ZIP is its claim count. Source: OpenFEMA NfipClaims v3 as of 2026-09-08.