Property Atlas

County hazard profile

Oakland, MI

Michigan · pop. 1,274,114 · FIPS 26125

Relatively High
FEMA risk rating · RATING
Tornado
dominant hazard
$359M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Oakland $359M

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 97.52/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 16.57/100
national median ~50 among the lowest nationally
Community resilienceVery High 90.43/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Oakland

The National Flood Insurance Program has paid 580 flood-insurance claims totaling $5.5M in Oakland since 1978. The costliest year was 2023 ($1.2M paid).

Flood-insurance dollars paid by year of loss

1978: $2,202 paid 1979: $21,426 paid 1980: $13,831 paid 1981: $175,109 paid 1982: $49,000 paid 1983: $20,051 paid 1984: $0 paid 1985: $10,705 paid 1986: $500 paid 1987: $7,706 paid 1988: $0 paid 1989: $151,621 paid 1990: $0 paid 1991: $184,325 paid 1992: $1,648 paid 1993: $1,091 paid 1994: $20,288 paid 1996: $24,121 paid 1997: $59,300 paid 1998: $1,167,534 paid 1999: $0 paid 2000: $102,621 paid 2001: $39,206 paid 2002: $2,624 paid 2003: $952 paid 2004: $448,674 paid 2005: $2,249 paid 2006: $4,832 paid 2007: $0 paid 2008: $79,433 paid 2009: $14,848 paid 2010: $12,769 paid 2011: $84,115 paid 2012: $0 paid 2013: $77,537 paid 2014: $344,175 paid 2015: $4,464 paid 2016: $1,804 paid 2017: $4,421 paid 2018: $21,827 paid 2019: $15,479 paid 2020: $2,128 paid 2021: $503,551 paid 2022: $287,039 paid 2023: $1,232,849 paid 2024: $133,543 paid 2025: $107,286 paid 2026: $20,615 paid 2023 · $1.2M 1978 2026
$5.5M
total paid
$9,413
average claim
$382K
largest single claim
39%
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 Oakland, MI and where it ranks among U.S. counties. It is not a verdict on whether Oakland 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.