Data · May 2026 data · 13-month trend
Michigan Flood Insurance Costs
Michigan's flood insurance cost index stood at $825 in May 2026, measured across policies newly written or renewed that month. Premiums there are 16.0% cheaper than the $982 national figure. Costs have risen 0.3% year over year. The month's tally covers 1,539 policy transactions across 73 counties, with Calhoun County posting the highest average premium at $1,993.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $825
- Avg total cost (with fees)
- $1,095
- Change (year over year)
- +0.3%
- vs national average
- -16.0%
- Policies written or renewed
- 1,539
- Counties reporting
- 73
Michigan trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $823 | $1,094 | 1,532 | |
| June 2025 | $728 | $968 | 1,703 | |
| July 2025 | $780 | $1,039 | 1,757 | |
| August 2025 | $768 | $1,031 | 1,835 | |
| September 2025 | $730 | $975 | 1,899 | |
| October 2025 | $784 | $1,046 | 1,751 | |
| November 2025 | $786 | $1,055 | 1,393 | |
| December 2025 | $864 | $1,152 | 1,470 | |
| January 2026 | $802 | $1,073 | 1,301 | |
| February 2026 | $806 | $1,071 | 1,589 | |
| March 2026 | $885 | $1,168 | 1,542 | |
| April 2026 | $824 | $1,087 | 1,615 | |
| May 2026 | $825 | $1,095 | 1,539 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Calhoun County | $1,993 | $2,490 | 17 | |
| Oceana County | $1,933 | $2,428 | 3 | |
| Cheboygan County | $1,930 | $2,462 | 10 | |
| Ionia County | $1,787 | $2,255 | 9 | |
| Gratiot County | $1,723 | $2,105 | 1 | |
| Ingham County | $1,523 | $1,935 | 55 | |
| Ottawa County | $1,368 | $1,750 | 32 | |
| Marquette County | $1,260 | $1,559 | 2 | |
| St. Joseph County | $1,257 | $1,667 | 10 | |
| Menominee County | $1,239 | $1,567 | 7 | |
| Tuscola County | $1,205 | $1,587 | 12 | |
| Alger County | $1,195 | $1,707 | 1 | |
| Monroe County | $1,138 | $1,453 | 58 | |
| Mason County | $1,133 | $1,521 | 6 | |
| Newaygo County | $1,130 | $1,534 | 7 | |
| Roscommon County | $1,085 | $1,577 | 1 | |
| Osceola County | $1,074 | $1,371 | 7 | |
| Sanilac County | $1,067 | $1,331 | 2 | |
| Kent County | $1,063 | $1,376 | 67 | |
| Lenawee County | $1,047 | $1,353 | 5 | |
| Berrien County | $1,007 | $1,379 | 30 | |
| Mecosta County | $1,005 | $1,290 | 7 | |
| Huron County | $983 | $1,315 | 19 | |
| Emmet County | $971 | $1,353 | 5 | |
| Isabella County | $967 | $1,243 | 15 | |
| Eaton County | $954 | $1,232 | 20 | |
| Muskegon County | $939 | $1,309 | 7 | |
| Lake County | $928 | $1,392 | 1 | |
| Benzie County | $920 | $1,327 | 4 | |
| Allegan County | $915 | $1,313 | 7 | |
| Arenac County | $888 | $1,176 | 4 | |
| Lapeer County | $886 | $1,267 | 9 | |
| Houghton County | $882 | $1,113 | 1 | |
| Alpena County | $876 | $1,218 | 4 | |
| Saginaw County | $859 | $1,123 | 66 | |
| Crawford County | $852 | $1,302 | 3 | |
| Gogebic County | $830 | $1,051 | 1 | |
| Macomb County | $827 | $1,079 | 126 | |
| Midland County | $818 | $1,053 | 14 | |
| Branch County | $811 | $1,086 | 8 | |
| Grand Traverse County | $791 | $1,086 | 14 | |
| Kalamazoo County | $789 | $1,066 | 18 | |
| Bay County | $785 | $1,043 | 35 | |
| Genesee County | $774 | $1,021 | 45 | |
| Shiawassee County | $772 | $991 | 27 | |
| Jackson County | $758 | $1,030 | 14 | |
| Livingston County | $755 | $1,029 | 24 | |
| Barry County | $730 | $1,020 | 13 | |
| Hillsdale County | $681 | $1,101 | 2 | |
| Clinton County | $661 | $852 | 6 | |
| Washtenaw County | $658 | $888 | 40 | |
| Chippewa County | $651 | $897 | 4 | |
| St. Clair County | $648 | $858 | 97 | |
| Manistee County | $633 | $1,044 | 1 | |
| Wayne County | $609 | $832 | 331 | |
| Mackinac County | $594 | $953 | 5 | |
| Baraga County | $591 | $769 | 1 | |
| Iosco County | $575 | $796 | 20 | |
| Delta County | $542 | $801 | 5 | |
| Van Buren County | $532 | $790 | 5 | |
| Wexford County | $529 | $789 | 12 | |
| Antrim County | $514 | $791 | 2 | |
| Ontonagon County | $486 | $870 | 2 | |
| Leelanau County | $485 | $795 | 3 | |
| Oakland County | $480 | $663 | 124 | |
| FIPS 26000 | $472 | $741 | 2 | |
| Clare County | $463 | $731 | 2 | |
| Cass County | $459 | $725 | 4 | |
| Alcona County | $439 | $740 | 3 | |
| Gladwin County | $424 | $572 | 1 | |
| Charlevoix County | $410 | $668 | 2 | |
| Dickinson County | $399 | $543 | 2 | |
| Kalkaska County | $226 | $339 | 1 |
Use this data
Download Michigan CSV (michigan.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Michigan Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/michigan
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.