Property Atlas

County hazard profile

Monroe, MI

Michigan · pop. 154,767 · FIPS 26115

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
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 Monroe $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 82.47/100
national median ~50 higher than 82% of counties
Social vulnerabilityRelatively Low 25.38/100
national median ~50 lower than most counties (25th percentile)
Community resilienceVery High 86.45/100
national median ~50 higher than 86% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Monroe

The National Flood Insurance Program has paid 1,672 flood-insurance claims totaling $9.9M in Monroe since 1978. The costliest year was 2018 ($2.6M paid).

Flood-insurance dollars paid by year of loss

1978: $27,947 paid 1979: $21,657 paid 1980: $627,148 paid 1981: $21,452 paid 1982: $389,405 paid 1983: $77,687 paid 1984: $39,395 paid 1985: $2,458,529 paid 1986: $288,203 paid 1987: $42,795 paid 1988: $0 paid 1989: $14,767 paid 1990: $64,511 paid 1991: $4,764 paid 1993: $6,235 paid 1994: $1,057 paid 1995: $0 paid 1997: $109,436 paid 1998: $934,807 paid 2000: $1,480 paid 2001: $0 paid 2002: $1,019 paid 2003: $27,580 paid 2004: $6,348 paid 2005: $33,516 paid 2006: $19,878 paid 2007: $25,816 paid 2008: $14,468 paid 2009: $268,319 paid 2010: $0 paid 2011: $218,207 paid 2013: $8,183 paid 2014: $7,373 paid 2015: $111,812 paid 2017: $1,935 paid 2018: $2,614,755 paid 2019: $440,826 paid 2020: $27,853 paid 2021: $26,123 paid 2023: $941,941 paid 2024: $5,284 paid 2018 · $2.6M 1978 2024
$9.9M
total paid
$5,940
average claim
$202K
largest single claim
89%
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 Monroe, MI and where it ranks among U.S. counties. It is not a verdict on whether Monroe 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.