Property Atlas

County hazard profile

Macomb, MI

Michigan · pop. 880,347 · FIPS 26099

Relatively High
FEMA risk rating · RATING
Tornado
dominant hazard
$268M
modeled expected annual loss/yr

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

higher than 83% of counties

national median $15M/yr Macomb $268M

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 High 96.66/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 27.1/100
national median ~50 lower than most counties (27th percentile)
Community resilienceVery High 80.73/100
national median ~50 higher than 81% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Macomb

The National Flood Insurance Program has paid 1,436 flood-insurance claims totaling $9.0M in Macomb since 1978. The costliest year was 2014 ($2.9M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $19,471 paid 1980: $4,075 paid 1981: $291,123 paid 1982: $23,696 paid 1983: $23,426 paid 1984: $9,943 paid 1985: $360,469 paid 1986: $658,205 paid 1987: $30,280 paid 1988: $12,693 paid 1989: $1,947 paid 1990: $8,562 paid 1991: $528 paid 1993: $0 paid 1994: $0 paid 1995: $27,685 paid 1996: $5,736 paid 1997: $144,488 paid 1998: $0 paid 1999: $1,116 paid 2000: $12,580 paid 2001: $207,098 paid 2002: $0 paid 2003: $0 paid 2004: $1,440,541 paid 2005: $6,700 paid 2006: $782 paid 2007: $81,497 paid 2008: $228,724 paid 2009: $70,898 paid 2010: $25,149 paid 2011: $94,051 paid 2012: $13,089 paid 2013: $34,876 paid 2014: $2,888,754 paid 2015: $0 paid 2016: $3,685 paid 2017: $2,455 paid 2018: $64,833 paid 2019: $696,259 paid 2020: $430,625 paid 2021: $142,248 paid 2022: $118,076 paid 2023: $492,940 paid 2024: $36,007 paid 2025: $228,334 paid 2026: $64,132 paid 2014 · $2.9M 1978 2026
$9.0M
total paid
$6,273
average claim
$557K
largest single claim
62%
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 Macomb, MI and where it ranks among U.S. counties. It is not a verdict on whether Macomb 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.