Data · June 2026 data · 14-month trend
Michigan Flood Insurance Costs
Michigan's flood insurance cost index stood at $755 in June 2026, measured across policies newly written or renewed that month. Premiums there are 24.6% cheaper than the $1,001 national figure. Costs have risen 3.8% year over year. The month's tally covers 1,737 policy transactions across 70 counties, with Delta County posting the highest average premium at $1,704.
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 — June 2026
- Average premium
- $755
- Avg total cost (with fees)
- $1,001
- Change (year over year)
- +3.8%
- vs national average
- -24.6%
- Policies written or renewed
- 1,737
- Counties reporting
- 70
Michigan trend, last 14 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 |
County breakdown — June 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 |
|---|---|---|---|---|
| Delta County | $1,704 | $2,139 | 4 | |
| Mackinac County | $1,644 | $2,236 | 4 | |
| Lake County | $1,539 | $2,000 | 4 | |
| Newaygo County | $1,492 | $1,832 | 5 | |
| Ottawa County | $1,473 | $1,900 | 35 | |
| Grand Traverse County | $1,350 | $1,732 | 10 | |
| Huron County | $1,283 | $1,709 | 22 | |
| Mecosta County | $1,273 | $1,703 | 7 | |
| Eaton County | $1,263 | $1,602 | 17 | |
| Muskegon County | $1,223 | $1,566 | 9 | |
| Menominee County | $1,221 | $1,513 | 4 | |
| Monroe County | $1,169 | $1,463 | 74 | |
| Ionia County | $1,152 | $1,530 | 16 | |
| Ingham County | $1,133 | $1,459 | 68 | |
| Cheboygan County | $1,116 | $1,539 | 6 | |
| Lapeer County | $1,104 | $1,375 | 3 | |
| Gratiot County | $1,089 | $1,356 | 2 | |
| Midland County | $1,056 | $1,368 | 18 | |
| Saginaw County | $1,040 | $1,345 | 59 | |
| Tuscola County | $995 | $1,302 | 8 | |
| Branch County | $992 | $1,288 | 5 | |
| Genesee County | $985 | $1,271 | 31 | |
| Roscommon County | $977 | $1,449 | 2 | |
| Houghton County | $973 | $1,221 | 2 | |
| Marquette County | $938 | $1,179 | 4 | |
| Leelanau County | $920 | $1,282 | 17 | |
| Kalamazoo County | $914 | $1,225 | 18 | |
| St. Joseph County | $911 | $1,216 | 13 | |
| Emmet County | $885 | $1,267 | 9 | |
| Dickinson County | $877 | $1,107 | 4 | |
| Alpena County | $845 | $1,182 | 2 | |
| Oakland County | $845 | $1,133 | 101 | |
| Allegan County | $820 | $1,152 | 4 | |
| Oceana County | $816 | $1,035 | 2 | |
| Berrien County | $803 | $1,076 | 28 | |
| Bay County | $802 | $1,060 | 33 | |
| Clinton County | $785 | $1,111 | 6 | |
| Montcalm County | $782 | $1,220 | 1 | |
| Sanilac County | $779 | $1,028 | 6 | |
| Iosco County | $772 | $1,045 | 18 | |
| Barry County | $756 | $1,044 | 14 | |
| Chippewa County | $754 | $1,074 | 10 | |
| Benzie County | $751 | $1,108 | 3 | |
| Osceola County | $745 | $1,027 | 3 | |
| Lenawee County | $743 | $949 | 2 | |
| Crawford County | $733 | $937 | 1 | |
| Livingston County | $723 | $959 | 20 | |
| Macomb County | $703 | $930 | 139 | |
| Arenac County | $702 | $1,013 | 10 | |
| St. Clair County | $693 | $932 | 133 | |
| Calhoun County | $690 | $912 | 9 | |
| Charlevoix County | $681 | $876 | 1 | |
| Gladwin County | $655 | $845 | 4 | |
| Clare County | $630 | $816 | 4 | |
| Manistee County | $630 | $965 | 3 | |
| Cass County | $607 | $916 | 7 | |
| Washtenaw County | $603 | $844 | 54 | |
| Shiawassee County | $600 | $780 | 19 | |
| Jackson County | $595 | $816 | 28 | |
| Wayne County | $589 | $805 | 278 | |
| Van Buren County | $582 | $782 | 12 | |
| Antrim County | $516 | $793 | 2 | |
| Wexford County | $504 | $690 | 10 | |
| Isabella County | $472 | $657 | 8 | |
| Hillsdale County | $459 | $726 | 2 | |
| Mason County | $434 | $584 | 1 | |
| Alcona County | $402 | $659 | 2 | |
| Schoolcraft County | $378 | $743 | 1 | |
| Kent County | $365 | $475 | 275 | |
| Alger County | $302 | $428 | 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 (NFIP Redacted Policies v3).
"Michigan Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 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.