Property Atlas

County hazard profile

Grand Traverse, MI

Michigan · pop. 95,178 · FIPS 26055

Relatively Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$31M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Grand Traverse $31M

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 65.65/100
national median ~50 near the national middle (66th percentile)
Social vulnerabilityVery Low 16.28/100
national median ~50 among the lowest nationally
Community resilienceVery High 96.47/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Grand Traverse

The National Flood Insurance Program has paid 57 flood-insurance claims totaling $669K in Grand Traverse since 1986. The costliest year was 2026 ($290K paid).

Flood-insurance dollars paid by year of loss

1986: $13,326 paid 1987: $21,906 paid 1992: $0 paid 1996: $0 paid 1997: $3,439 paid 1999: $4,394 paid 2000: $949 paid 2001: $0 paid 2002: $0 paid 2004: $8,307 paid 2012: $160,962 paid 2014: $16,097 paid 2017: $18,365 paid 2019: $0 paid 2020: $99,126 paid 2021: $28,562 paid 2024: $1,427 paid 2025: $2,226 paid 2026: $290,136 paid 2026 · $290K 1986 2026
$669K
total paid
$11,741
average claim
$136K
largest single claim
42%
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 Grand Traverse, MI and where it ranks among U.S. counties. It is not a verdict on whether Grand Traverse 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.