ZIP Codes with Highest Flood Risk in Michigan

Out of 575 ZIP codes with data in Michigan, these are the highest-ranked areas for historical nfip claims. See also: National ZIP Codes with the Most Historical NFIP Claims | All Michigan Rankings

Statistic	Value
ZIP codes ranked	575
Highest value	753 claims
Median value	6 claims
State	Michigan

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Historical NFIP Claims	Safety Score
1	48173	Rockwood	MI	753 claims	90/100
2	48125	Dearborn Heights	MI	690 claims	82/100
3	48640	Midland	MI	499 claims	—
4	48045	Harrison Township	MI	462 claims	94/100
5	48161	Monroe	MI	350 claims	—
6	48215	Detroit	MI	322 claims	92/100
7	48001	Algonac	MI	317 claims	99/100
8	48166	Newport	MI	303 claims	—
9	48023	Fair Haven	MI	299 claims	100/100
10	48706	Bay City	MI	298 claims	99/100
11	48145	La Salle	MI	270 claims	—
12	48157	Luna Pier	MI	266 claims	—
13	48081	Saint Clair Shores	MI	250 claims	99/100
14	48028	Harsens Island	MI	246 claims	—
15	48133	Erie	MI	212 claims	—
16	48047	New Baltimore	MI	187 claims	99/100
17	49058	Hastings	MI	177 claims	—
18	48162	Monroe	MI	174 claims	—
19	48601	Saginaw	MI	173 claims	—
20	48609	Saginaw	MI	170 claims	—
21	48638	Saginaw	MI	167 claims	—
22	48039	Marine City	MI	121 claims	98/100
23	49525	Grand Rapids	MI	119 claims	75/100
24	48080	Saint Clair Shores	MI	110 claims	98/100
25	49001	Kalamazoo	MI	109 claims	49/100
26	48239	Redford	MI	108 claims	90/100
27	48864	Okemos	MI	105 claims	80/100
28	48604	Saginaw	MI	98 claims	—
29	49417	Grand Haven	MI	96 claims	80/100
30	48054	East China	MI	95 claims	80/100
31	48229	Ecorse	MI	95 claims	91/100
32	48082	Saint Clair Shores	MI	93 claims	97/100
33	48334	Farmington	MI	93 claims	82/100
34	49085	Saint Joseph	MI	93 claims	92/100
35	48507	Flint	MI	87 claims	81/100
36	49093	Three Rivers	MI	85 claims	—
37	49327	Grant	MI	82 claims	—
38	49418	Grandville	MI	82 claims	74/100
39	48116	Brighton	MI	77 claims	—
40	48124	Dearborn	MI	77 claims	92/100
41	48146	Lincoln Park	MI	71 claims	89/100
42	48658	Standish	MI	70 claims	—
43	48821	Dimondale	MI	70 claims	—
44	49321	Comstock Park	MI	68 claims	73/100
45	48634	Linwood	MI	67 claims	—
46	49073	Nashville	MI	67 claims	—
47	48631	Kawkawlin	MI	66 claims	99/100
48	48912	Lansing	MI	65 claims	83/100
49	49048	Kalamazoo	MI	65 claims	49/100
50	48768	Vassar	MI	63 claims	—
51	48910	Lansing	MI	62 claims	83/100
52	49337	Newaygo	MI	62 claims	—
53	48101	Allen Park	MI	61 claims	91/100
54	48439	Grand Blanc	MI	61 claims	81/100
55	49548	Grand Rapids	MI	61 claims	74/100
56	48138	Grosse Ile	MI	59 claims	90/100
57	48602	Saginaw	MI	57 claims	—
58	48192	Wyandotte	MI	54 claims	91/100
59	48867	Owosso	MI	54 claims	—
60	49456	Spring Lake	MI	54 claims	80/100
61	48180	Taylor	MI	53 claims	89/100
62	49631	Evart	MI	53 claims	—
63	48189	Whitmore Lake	MI	51 claims	—
64	48823	East Lansing	MI	50 claims	80/100
65	49306	Belmont	MI	47 claims	75/100
66	48317	Utica	MI	46 claims	99/100
67	49507	Grand Rapids	MI	46 claims	74/100
68	48183	Trenton	MI	45 claims	90/100
69	49304	Baldwin	MI	44 claims	—
70	48733	Fairgrove	MI	43 claims	—
71	49424	Holland	MI	43 claims	99/100
72	48036	Clinton Township	MI	42 claims	96/100
73	49301	Ada	MI	42 claims	74/100
74	49307	Big Rapids	MI	42 claims	—
75	49444	Muskegon	MI	42 claims	94/100
76	49038	Coloma	MI	41 claims	97/100
77	49423	Holland	MI	41 claims	100/100
78	49858	Menominee	MI	41 claims	—
79	48336	Farmington	MI	40 claims	82/100
80	48509	Burton	MI	40 claims	83/100
81	48060	Port Huron	MI	39 claims	98/100
82	48230	Grosse Pointe	MI	39 claims	88/100
83	48504	Flint	MI	38 claims	81/100
84	48103	Ann Arbor	MI	37 claims	62/100
85	48312	Sterling Heights	MI	36 claims	99/100
86	48750	Oscoda	MI	36 claims	—
87	49098	Watervliet	MI	36 claims	—
88	49331	Lowell	MI	36 claims	73/100
89	48603	Saginaw	MI	35 claims	—
90	48657	Sanford	MI	35 claims	—
91	48917	Lansing	MI	35 claims	83/100
92	48083	Troy	MI	34 claims	83/100
93	48529	Burton	MI	34 claims	81/100
94	48650	Pinconning	MI	34 claims	—
95	48038	Clinton Township	MI	33 claims	98/100
96	48423	Davison	MI	33 claims	83/100
97	48801	Alma	MI	33 claims	—
98	49228	Blissfield	MI	33 claims	66/100
99	49428	Jenison	MI	32 claims	100/100
100	48170	Plymouth	MI	31 claims	87/100

Methodology

This ranking uses historical FEMA National Flood Insurance Program claim records. The entity is not a complete inventory of properties, flood events, uninsured losses, or current FEMA map designations. ZIPs without claim evidence are unknown and are not ranked as zero or low risk.

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: 2026-08-31.

Frequently Asked Questions

What does this ranking show?

It shows historical NFIP claim counts for ZIP records where FEMA claim evidence is available. It does not determine the current flood zone or risk of a specific property.

Where does the claim data come from?

The records come from FEMA National Flood Insurance Program claims. They do not include a complete inventory of uninsured losses or current property-map designations.

ZIP Codes with Highest Flood Risk in Michigan — 2026

Top 100 Worst ZIP Codes

Methodology

Frequently Asked Questions

What does this ranking show?

Where does the claim data come from?

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