Property Atlas

County hazard profile

Saginaw, MI

Michigan · pop. 190,067 · FIPS 26145

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$72M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Saginaw $72M

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 88.55/100
national median ~50 higher than 89% of counties
Social vulnerabilityRelatively Moderate 46.85/100
national median ~50 near the national middle (47th percentile)
Community resilienceVery High 93.23/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Saginaw

The National Flood Insurance Program has paid 791 flood-insurance claims totaling $11.8M in Saginaw since 1978. The costliest year was 2020 ($6.9M paid).

Flood-insurance dollars paid by year of loss

1978: $5,000 paid 1979: $1,477 paid 1980: $0 paid 1981: $51,377 paid 1982: $14,807 paid 1983: $2,835 paid 1985: $37,067 paid 1986: $1,739,715 paid 1987: $0 paid 1989: $0 paid 1990: $0 paid 1991: $14,029 paid 1993: $0 paid 1994: $22,156 paid 1995: $0 paid 1996: $106,984 paid 1997: $94,294 paid 1998: $6,603 paid 1999: $30,025 paid 2000: $44,466 paid 2001: $4,434 paid 2002: $0 paid 2004: $46,020 paid 2005: $3,059 paid 2006: $15,022 paid 2008: $31,647 paid 2009: $14,081 paid 2011: $116,575 paid 2012: $51,021 paid 2013: $1,183,546 paid 2014: $5,841 paid 2015: $0 paid 2016: $0 paid 2017: $645,254 paid 2018: $65,341 paid 2019: $106,287 paid 2020: $6,948,240 paid 2021: $6,679 paid 2022: $0 paid 2023: $8,779 paid 2024: $1,602 paid 2025: $3,808 paid 2026: $330,989 paid 2020 · $6.9M 1978 2026
$11.8M
total paid
$14,866
average claim
$400K
largest single claim
78%
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 Saginaw, MI and where it ranks among U.S. counties. It is not a verdict on whether Saginaw 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.