Property Atlas

County hazard profile

Washtenaw, MI

Michigan · pop. 372,064 · FIPS 26161

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$93M
modeled expected annual loss/yr

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

lower than most counties (29th percentile)

national median $15M/yr Washtenaw $93M

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 89.28/100
national median ~50 higher than 89% of counties
Social vulnerabilityRelatively Low 21.47/100
national median ~50 among the lowest nationally
Community resilienceVery High 97.04/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Washtenaw

The National Flood Insurance Program has paid 133 flood-insurance claims totaling $1.6M in Washtenaw since 1980. The costliest year was 2021 ($425K paid).

Flood-insurance dollars paid by year of loss

1980: $3,643 paid 1982: $68,353 paid 1983: $591 paid 1989: $0 paid 1997: $7,436 paid 1998: $38,720 paid 1999: $4,265 paid 2000: $55,426 paid 2001: $121,274 paid 2004: $149,573 paid 2005: $399 paid 2006: $4,051 paid 2009: $36,002 paid 2010: $79,797 paid 2011: $228,371 paid 2012: $7,388 paid 2013: $10,946 paid 2014: $0 paid 2015: $14,528 paid 2016: $0 paid 2017: $0 paid 2018: $0 paid 2019: $79,280 paid 2020: $0 paid 2021: $424,923 paid 2022: $2,166 paid 2023: $188,157 paid 2024: $107,115 paid 2026: $9,360 paid 2021 · $425K 1980 2026
$1.6M
total paid
$12,344
average claim
$404K
largest single claim
65%
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 Washtenaw, MI and where it ranks among U.S. counties. It is not a verdict on whether Washtenaw 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.