Property Atlas

County hazard profile

Genesee, MI

Michigan · pop. 406,019 · FIPS 26049

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$113M
modeled expected annual loss/yr

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

lower than most counties (35th percentile)

national median $15M/yr Genesee $113M

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 92.18/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 43.73/100
national median ~50 near the national middle (44th percentile)
Community resilienceRelatively High 70.61/100
national median ~50 near the national middle (71st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Genesee

The National Flood Insurance Program has paid 467 flood-insurance claims totaling $3.2M in Genesee since 1978. The costliest year was 2012 ($668K paid).

Flood-insurance dollars paid by year of loss

1978: $857 paid 1979: $840 paid 1980: $3,100 paid 1981: $200,933 paid 1982: $73,006 paid 1984: $0 paid 1985: $367,154 paid 1986: $2,567 paid 1987: $0 paid 1989: $0 paid 1992: $0 paid 1993: $0 paid 1996: $46,472 paid 1997: $3,281 paid 1998: $1,121 paid 2000: $94,004 paid 2001: $225,647 paid 2003: $0 paid 2004: $53,035 paid 2005: $0 paid 2006: $43,283 paid 2008: $14,633 paid 2009: $56,469 paid 2011: $196,315 paid 2012: $667,729 paid 2013: $61,090 paid 2014: $61,193 paid 2015: $0 paid 2016: $0 paid 2017: $11,344 paid 2018: $574,967 paid 2019: $0 paid 2020: $150,727 paid 2021: $7,369 paid 2022: $5,139 paid 2023: $95,962 paid 2024: $92,584 paid 2025: $0 paid 2026: $93,496 paid 2012 · $668K 1978 2026
$3.2M
total paid
$6,862
average claim
$200K
largest single claim
57%
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 Genesee, MI and where it ranks among U.S. counties. It is not a verdict on whether Genesee 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.