Data · July 2026 data · 15-month trend
Michigan Flood Insurance Costs
Michigan's flood insurance cost index stood at $825 in July 2026, measured across policies newly written or renewed that month. Premiums there are 16.3% cheaper than the $986 national figure. Costs have risen 5.9% year over year. The month's tally covers 1,698 policy transactions across 66 counties, with Gratiot County posting the highest average premium at $2,002.
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 — July 2026
- Average premium
- $825
- Avg total cost (with fees)
- $1,091
- Change (year over year)
- +5.9%
- vs national average
- -16.3%
- Policies written or renewed
- 1,698
- Counties reporting
- 66
Michigan trend, last 15 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 | $1,038 | 1,757 | |
| August 2025 | $770 | $1,033 | 1,837 | |
| September 2025 | $730 | $975 | 1,900 | |
| October 2025 | $785 | $1,048 | 1,751 | |
| November 2025 | $786 | $1,056 | 1,394 | |
| December 2025 | $865 | $1,153 | 1,470 | |
| January 2026 | $804 | $1,075 | 1,302 | |
| February 2026 | $806 | $1,072 | 1,589 | |
| March 2026 | $886 | $1,170 | 1,545 | |
| April 2026 | $825 | $1,087 | 1,615 | |
| May 2026 | $831 | $1,104 | 1,608 | |
| June 2026 | $755 | $1,001 | 1,737 | |
| July 2026 | $825 | $1,091 | 1,698 |
County breakdown — July 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 |
|---|---|---|---|---|
| Gratiot County | $2,002 | $2,531 | 7 | |
| Montcalm County | $1,845 | $2,249 | 2 | |
| Leelanau County | $1,802 | $2,348 | 15 | |
| Menominee County | $1,545 | $1,985 | 5 | |
| Ionia County | $1,461 | $1,860 | 7 | |
| Ingham County | $1,452 | $1,850 | 62 | |
| Tuscola County | $1,442 | $1,798 | 9 | |
| Cheboygan County | $1,434 | $1,861 | 7 | |
| Monroe County | $1,423 | $1,777 | 79 | |
| Huron County | $1,367 | $1,807 | 22 | |
| Muskegon County | $1,291 | $1,692 | 7 | |
| Osceola County | $1,256 | $1,611 | 4 | |
| Eaton County | $1,235 | $1,569 | 17 | |
| Newaygo County | $1,233 | $1,527 | 7 | |
| Benzie County | $1,188 | $1,654 | 5 | |
| Saginaw County | $1,174 | $1,488 | 65 | |
| St. Joseph County | $1,160 | $1,566 | 9 | |
| Kent County | $1,076 | $1,384 | 53 | |
| Alger County | $1,060 | $1,323 | 1 | |
| Mason County | $1,026 | $1,507 | 2 | |
| Alpena County | $1,021 | $1,373 | 7 | |
| Emmet County | $1,015 | $1,458 | 12 | |
| Shiawassee County | $980 | $1,271 | 16 | |
| Calhoun County | $966 | $1,271 | 19 | |
| Mecosta County | $963 | $1,208 | 3 | |
| Delta County | $941 | $1,183 | 6 | |
| Oceana County | $930 | $1,320 | 6 | |
| Allegan County | $917 | $1,258 | 13 | |
| Jackson County | $894 | $1,240 | 18 | |
| Ottawa County | $884 | $1,166 | 31 | |
| Midland County | $875 | $1,131 | 26 | |
| Kalamazoo County | $867 | $1,152 | 16 | |
| Barry County | $862 | $1,105 | 28 | |
| Van Buren County | $857 | $1,199 | 11 | |
| Ontonagon County | $854 | $1,080 | 2 | |
| Grand Traverse County | $852 | $1,129 | 22 | |
| Gogebic County | $840 | $1,063 | 2 | |
| Arenac County | $837 | $1,107 | 14 | |
| Alcona County | $829 | $1,200 | 3 | |
| Lenawee County | $826 | $1,046 | 5 | |
| Bay County | $826 | $1,076 | 38 | |
| Chippewa County | $820 | $1,103 | 7 | |
| Livingston County | $807 | $1,064 | 23 | |
| Genesee County | $785 | $1,041 | 32 | |
| Clinton County | $770 | $1,005 | 9 | |
| Antrim County | $754 | $1,187 | 1 | |
| Marquette County | $735 | $939 | 2 | |
| St. Clair County | $733 | $1,012 | 142 | |
| Macomb County | $724 | $950 | 135 | |
| Cass County | $717 | $993 | 6 | |
| Isabella County | $708 | $940 | 7 | |
| Houghton County | $700 | $898 | 1 | |
| Branch County | $678 | $984 | 2 | |
| Wayne County | $653 | $885 | 282 | |
| Lapeer County | $588 | $766 | 6 | |
| Berrien County | $582 | $748 | 93 | |
| Wexford County | $582 | $758 | 2 | |
| Sanilac County | $574 | $750 | 2 | |
| Gladwin County | $567 | $741 | 1 | |
| Mackinac County | $536 | $779 | 3 | |
| Charlevoix County | $435 | $810 | 2 | |
| Iosco County | $429 | $619 | 19 | |
| Clare County | $428 | $622 | 5 | |
| Washtenaw County | $404 | $566 | 65 | |
| Oakland County | $395 | $574 | 166 | |
| Crawford County | $377 | $629 | 2 |
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 (NFIP Redacted Policies v3).
"Michigan Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/michigan
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.