Property Atlas

County hazard profile

Lapeer, MI

Michigan · pop. 88,578 · FIPS 26087

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$28M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lapeer $28M

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 66.41/100
national median ~50 near the national middle (66th percentile)
Social vulnerabilityRelatively Low 28.31/100
national median ~50 lower than most counties (28th percentile)
Community resilienceRelatively High 75.76/100
national median ~50 higher than 76% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lapeer

The National Flood Insurance Program has paid 27 flood-insurance claims totaling $174K in Lapeer since 1979. The costliest year was 2009 ($116K paid).

Flood-insurance dollars paid by year of loss

1979: $0 paid 1981: $1,340 paid 1982: $633 paid 1996: $9,612 paid 1997: $286 paid 1998: $241 paid 2001: $4,166 paid 2003: $0 paid 2004: $34,202 paid 2006: $0 paid 2009: $116,315 paid 2013: $6,786 paid 2009 · $116K 1979 2013
$174K
total paid
$6,429
average claim
$57K
largest single claim
52%
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 Lapeer, MI and where it ranks among U.S. counties. It is not a verdict on whether Lapeer 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.