Property Atlas

County hazard profile

Calhoun, MI

Michigan · pop. 134,279 · FIPS 26025

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$35M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Calhoun $35M

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 Low 74.52/100
national median ~50 higher than 75% of counties
Social vulnerabilityRelatively Low 35.59/100
national median ~50 lower than most counties (36th percentile)
Community resilienceVery High 93.64/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Calhoun

The National Flood Insurance Program has paid 60 flood-insurance claims totaling $227K in Calhoun since 1978. The costliest year was 2015 ($48K paid).

Flood-insurance dollars paid by year of loss

1978: $2,412 paid 1980: $204 paid 1981: $3,366 paid 1982: $2,968 paid 1985: $2,689 paid 1989: $13,582 paid 1991: $0 paid 1992: $0 paid 1998: $5,695 paid 2000: $5,113 paid 2001: $21,797 paid 2004: $0 paid 2005: $3,069 paid 2008: $45,729 paid 2009: $3,644 paid 2010: $6,977 paid 2011: $16,367 paid 2013: $4,173 paid 2014: $0 paid 2015: $47,560 paid 2016: $0 paid 2017: $10,044 paid 2018: $20,240 paid 2020: $9,672 paid 2023: $0 paid 2024: $1,326 paid 2025: $0 paid 2015 · $48K 1978 2025
$227K
total paid
$3,777
average claim
$18K
largest single claim
40%
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 Calhoun, MI and where it ranks among U.S. counties. It is not a verdict on whether Calhoun 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.