Property Atlas

County hazard profile

Muskegon, MI

Michigan · pop. 175,775 · FIPS 26121

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 Muskegon $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 70.1/100
national median ~50 near the national middle (70th percentile)
Social vulnerabilityRelatively Moderate 48.31/100
national median ~50 near the national middle (48th percentile)
Community resilienceVery High 99.4/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Muskegon

The National Flood Insurance Program has paid 130 flood-insurance claims totaling $842K in Muskegon since 1978. The costliest year was 2019 ($237K paid).

Flood-insurance dollars paid by year of loss

1978: $56,436 paid 1979: $8,366 paid 1980: $5,121 paid 1984: $0 paid 1985: $137,766 paid 1986: $21,486 paid 1987: $10,508 paid 1988: $34,448 paid 1989: $12,880 paid 1991: $1,060 paid 1997: $0 paid 1998: $0 paid 2000: $0 paid 2004: $0 paid 2005: $0 paid 2006: $10,496 paid 2008: $14,091 paid 2009: $9,075 paid 2011: $223 paid 2015: $1,110 paid 2018: $87,785 paid 2019: $236,550 paid 2020: $194,346 paid 2021: $0 paid 2023: $0 paid 2026: $54 paid 2019 · $237K 1978 2026
$842K
total paid
$6,475
average claim
$79K
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 Muskegon, MI and where it ranks among U.S. counties. It is not a verdict on whether Muskegon 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.