Property Atlas

County hazard profile

Wayne, MI

Michigan · pop. 1,792,549 · FIPS 26163

Relatively High
FEMA risk rating · RATING
Cold Wave
dominant hazard
$402M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Wayne $402M

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 98.95/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 76.15/100
national median ~50 higher than 76% of counties
Community resilienceRelatively Moderate 58.65/100
national median ~50 near the national middle (59th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Wayne

The National Flood Insurance Program has paid 2,888 flood-insurance claims totaling $13.6M in Wayne since 1978. The costliest year was 2014 ($2.8M paid).

Flood-insurance dollars paid by year of loss

1978: $12,002 paid 1979: $152,833 paid 1980: $418,183 paid 1981: $166,024 paid 1982: $26,345 paid 1983: $103,058 paid 1984: $6,453 paid 1985: $1,416,083 paid 1986: $192,380 paid 1987: $7,058 paid 1988: $0 paid 1989: $54,462 paid 1990: $11,020 paid 1991: $0 paid 1992: $0 paid 1993: $0 paid 1994: $1,680 paid 1995: $737 paid 1996: $29,226 paid 1997: $160,270 paid 1998: $198,013 paid 1999: $21,524 paid 2000: $298,996 paid 2001: $4,636 paid 2002: $42,450 paid 2003: $4,813 paid 2004: $529,428 paid 2005: $7,595 paid 2006: $20,285 paid 2007: $61,574 paid 2008: $8,677 paid 2009: $27,002 paid 2010: $85,090 paid 2011: $434,137 paid 2012: $2,369 paid 2013: $131,126 paid 2014: $2,782,597 paid 2015: $0 paid 2016: $213,536 paid 2017: $43,932 paid 2018: $588,423 paid 2019: $1,577,350 paid 2020: $101,396 paid 2021: $1,382,656 paid 2022: $7,016 paid 2023: $1,406,227 paid 2024: $264,564 paid 2025: $513,305 paid 2026: $72,289 paid 2014 · $2.8M 1978 2026
$13.6M
total paid
$4,705
average claim
$260K
largest single claim
69%
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 Wayne, MI and where it ranks among U.S. counties. It is not a verdict on whether Wayne 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.