Property Atlas

County hazard profile

Sanilac, MI

Michigan · pop. 40,597 · FIPS 26151

Relatively Low
FEMA risk rating · RATING
Cold Wave
dominant hazard
$23M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Sanilac $23M

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 70.32/100
national median ~50 near the national middle (70th percentile)
Social vulnerabilityRelatively High 72.01/100
national median ~50 near the national middle (72nd percentile)
Community resilienceRelatively High 68.26/100
national median ~50 near the national middle (68th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Sanilac

The National Flood Insurance Program has paid 14 flood-insurance claims totaling $113K in Sanilac since 1983. The costliest year was 1989 ($61K paid).

Flood-insurance dollars paid by year of loss

1983: $0 paid 1986: $7,079 paid 1987: $16,026 paid 1988: $25,700 paid 1989: $61,447 paid 2003: $2,576 paid 1989 · $61K 1983 2003
$113K
total paid
$8,059
average claim
$37K
largest single claim
21%
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 Sanilac, MI and where it ranks among U.S. counties. It is not a verdict on whether Sanilac 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.