ZIP Codes with Highest Flood Risk in Michigan

Out of 566 ZIP codes with data in Michigan, these are the highest-ranked areas for flood claims. See also: National ZIP Codes with Highest Flood Risk | All Michigan Rankings

Statistic	Value
ZIP codes ranked	566
Highest value	753 claims
Median value	6 claims
State	Michigan

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Flood Claims	Safety Score
1	48173	Rockwood	MI	753 claims	80/100
2	48125	Dearborn Heights	MI	690 claims	76/100
3	48640	Midland	MI	498 claims	80/100
4	48045	Harrison Township	MI	462 claims	80/100
5	48161	Monroe	MI	349 claims	64/100
6	48215	Detroit	MI	321 claims	62/100
7	48001	Algonac	MI	317 claims	80/100
8	48166	Newport	MI	303 claims	58/100
9	48706	Bay City	MI	298 claims	67/100
10	48023	Fair Haven	MI	297 claims	55/100
11	48145	La Salle	MI	270 claims	45/100
12	48157	Luna Pier	MI	266 claims	45/100
13	48081	Saint Clair Shores	MI	250 claims	55/100
14	48028	Harsens Island	MI	246 claims	55/100
15	48133	Erie	MI	212 claims	45/100
16	48047	New Baltimore	MI	187 claims	81/100
17	48162	Monroe	MI	175 claims	69/100
18	49058	Hastings	MI	175 claims	72/100
19	48601	Saginaw	MI	170 claims	74/100
20	48609	Saginaw	MI	167 claims	74/100
21	48638	Saginaw	MI	144 claims	74/100
22	48039	Marine City	MI	121 claims	84/100
23	49525	Grand Rapids	MI	114 claims	68/100
24	48080	Saint Clair Shores	MI	110 claims	60/100
25	49001	Kalamazoo	MI	109 claims	54/100
26	48239	Redford	MI	105 claims	76/100
27	48864	Okemos	MI	103 claims	72/100
28	48604	Saginaw	MI	96 claims	74/100
29	48054	East China	MI	94 claims	66/100
30	48229	Ecorse	MI	94 claims	85/100
31	48082	Saint Clair Shores	MI	93 claims	60/100
32	48334	Farmington	MI	93 claims	73/100
33	49085	Saint Joseph	MI	93 claims	60/100
34	49417	Grand Haven	MI	90 claims	84/100
35	48507	Flint	MI	86 claims	72/100
36	49093	Three Rivers	MI	85 claims	54/100
37	49418	Grandville	MI	80 claims	72/100
38	48116	Brighton	MI	77 claims	73/100
39	48124	Dearborn	MI	75 claims	83/100
40	48146	Lincoln Park	MI	70 claims	84/100
41	48821	Dimondale	MI	70 claims	73/100
42	48658	Standish	MI	69 claims	81/100
43	48634	Linwood	MI	67 claims	85/100
44	49321	Comstock Park	MI	67 claims	73/100
45	48631	Kawkawlin	MI	66 claims	85/100
46	49073	Nashville	MI	66 claims	72/100
47	49327	Grant	MI	66 claims	82/100
48	48912	Lansing	MI	65 claims	72/100
49	49048	Kalamazoo	MI	65 claims	54/100
50	48768	Vassar	MI	63 claims	85/100
51	48101	Allen Park	MI	61 claims	76/100
52	48910	Lansing	MI	59 claims	72/100
53	48138	Grosse Ile	MI	58 claims	60/100
54	49548	Grand Rapids	MI	58 claims	68/100
55	48602	Saginaw	MI	57 claims	74/100
56	48439	Grand Blanc	MI	55 claims	72/100
57	48192	Wyandotte	MI	54 claims	79/100
58	48180	Taylor	MI	53 claims	57/100
59	48867	Owosso	MI	53 claims	60/100
60	49456	Spring Lake	MI	53 claims	84/100
61	49337	Newaygo	MI	52 claims	83/100
62	48189	Whitmore Lake	MI	50 claims	64/100
63	48823	East Lansing	MI	48 claims	73/100
64	49306	Belmont	MI	47 claims	77/100
65	49507	Grand Rapids	MI	46 claims	73/100
66	48183	Trenton	MI	45 claims	90/100
67	48317	Utica	MI	45 claims	89/100
68	49304	Baldwin	MI	44 claims	90/100
69	48733	Fairgrove	MI	43 claims	65/100
70	49424	Holland	MI	43 claims	90/100
71	48036	Clinton Township	MI	42 claims	87/100
72	49444	Muskegon	MI	42 claims	89/100
73	49038	Coloma	MI	41 claims	80/100
74	49423	Holland	MI	41 claims	90/100
75	49631	Evart	MI	41 claims	89/100
76	49858	Menominee	MI	41 claims	76/100
77	48336	Farmington	MI	40 claims	78/100
78	48060	Port Huron	MI	39 claims	89/100
79	48230	Grosse Pointe	MI	39 claims	89/100
80	49301	Ada	MI	39 claims	77/100
81	48504	Flint	MI	38 claims	77/100
82	48509	Burton	MI	38 claims	70/100
83	48103	Ann Arbor	MI	37 claims	60/100
84	49307	Big Rapids	MI	37 claims	89/100
85	48312	Sterling Heights	MI	36 claims	82/100
86	49098	Watervliet	MI	36 claims	88/100
87	49331	Lowell	MI	36 claims	77/100
88	48603	Saginaw	MI	35 claims	79/100
89	48657	Sanford	MI	35 claims	85/100
90	48917	Lansing	MI	35 claims	77/100
91	48083	Troy	MI	34 claims	77/100
92	48650	Pinconning	MI	34 claims	90/100
93	48038	Clinton Township	MI	33 claims	87/100
94	48423	Davison	MI	33 claims	70/100
95	48529	Burton	MI	33 claims	70/100
96	48750	Oscoda	MI	33 claims	87/100
97	49228	Blissfield	MI	33 claims	65/100
98	49428	Jenison	MI	32 claims	90/100
99	48170	Plymouth	MI	31 claims	88/100
100	48506	Flint	MI	31 claims	77/100

Methodology

Flood risk rankings use FEMA National Flood Insurance Program (NFIP) claim data. Total claims reflect historical flood events that resulted in insured property damage. High claim counts indicate areas with recurring flood exposure, which can compromise water infrastructure, introduce contaminant runoff, and damage home systems.

Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-06-04.

Frequently Asked Questions

Why does flood history matter for home safety?

Flooding can contaminate drinking water supplies, damage water infrastructure, introduce sewage and chemical runoff, and compromise home foundations and electrical systems. Repeated flooding indicates persistent risk that affects long-term home safety.

Where does the flood data come from?

Flood claim data comes from the FEMA National Flood Insurance Program (NFIP), which tracks all insured flood losses by ZIP code. This includes claims from hurricanes, river flooding, storm surge, and heavy rainfall events.

ZIP Codes with Highest Flood Risk in Michigan — 2026

Top 100 Worst ZIP Codes

Methodology

Frequently Asked Questions

Why does flood history matter for home safety?

Where does the flood data come from?

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