Property Atlas

County hazard profile

Berrien, MI

Michigan · pop. 154,234 · FIPS 26021

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$45M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Berrien $45M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 81.71/100
national median ~50 higher than 82% of counties
Social vulnerabilityRelatively Moderate 44.08/100
national median ~50 near the national middle (44th percentile)
Community resilienceVery High 98.41/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Berrien

The National Flood Insurance Program has paid 310 flood-insurance claims totaling $4.4M in Berrien since 1978. The costliest year was 2018 ($2.0M paid).

Flood-insurance dollars paid by year of loss

1978: $2,883 paid 1979: $117,444 paid 1980: $94,284 paid 1981: $12,997 paid 1982: $127,623 paid 1983: $138,146 paid 1984: $135,163 paid 1985: $299,111 paid 1986: $205,444 paid 1987: $0 paid 1988: $141,916 paid 1989: $0 paid 1990: $53,500 paid 1991: $277,004 paid 1992: $0 paid 1993: $272,149 paid 1995: $0 paid 1996: $297,360 paid 1997: $0 paid 1998: $0 paid 2005: $0 paid 2006: $5,282 paid 2007: $5,308 paid 2008: $229,167 paid 2009: $18,777 paid 2010: $0 paid 2011: $0 paid 2012: $3,351 paid 2013: $0 paid 2014: $0 paid 2015: $0 paid 2016: $0 paid 2017: $1,829 paid 2018: $1,960,477 paid 2019: $2,436 paid 2020: $2,533 paid 2021: $5,052 paid 2023: $19,370 paid 2026: $5,166 paid 2018 · $2.0M 1978 2026
$4.4M
total paid
$14,302
average claim
$297K
largest single claim
43%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Berrien, MI and where it ranks among U.S. counties. It is not a verdict on whether Berrien is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.