Property Atlas

County hazard profile

Kalamazoo, MI

Michigan · pop. 261,632 · FIPS 26077

Relatively Moderate
FEMA risk rating · RATING
Hail
dominant hazard
$55M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Kalamazoo $55M

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 81.68/100
national median ~50 higher than 82% of counties
Social vulnerabilityVery Low 18.48/100
national median ~50 among the lowest nationally
Community resilienceVery High 91.54/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Kalamazoo

The National Flood Insurance Program has paid 291 flood-insurance claims totaling $5.1M in Kalamazoo since 1978. The costliest year was 2018 ($2.9M paid).

Flood-insurance dollars paid by year of loss

1978: $76,087 paid 1979: $27,984 paid 1981: $1,263 paid 1982: $105,081 paid 1983: $0 paid 1985: $116,376 paid 1986: $0 paid 1987: $0 paid 1988: $0 paid 1989: $45,017 paid 1990: $2,475 paid 1991: $0 paid 1993: $1,767 paid 1994: $0 paid 1995: $0 paid 1997: $1,202 paid 1998: $0 paid 1999: $2,441 paid 2000: $0 paid 2001: $39,853 paid 2002: $1,793 paid 2004: $23,344 paid 2005: $20,286 paid 2008: $703,664 paid 2009: $58,604 paid 2010: $3,535 paid 2011: $35,248 paid 2014: $0 paid 2015: $22,704 paid 2016: $218,895 paid 2017: $313,965 paid 2018: $2,899,552 paid 2019: $302,441 paid 2020: $12,717 paid 2021: $57,477 paid 2022: $0 paid 2024: $35,187 paid 2025: $13,179 paid 2026: $2,961 paid 2018 · $2.9M 1978 2026
$5.1M
total paid
$17,681
average claim
$1.0M
largest single claim
46%
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 Kalamazoo, MI and where it ranks among U.S. counties. It is not a verdict on whether Kalamazoo 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.