Enter any address in Emmet County, Michigan to see its FEMA flood zone
3 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Emmet County, Michigan has recorded 5 flood-related events since 1996 according to NOAA's Storm Events Database, including 2 flash floods and 1 river or area floods. The county has received 6 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1977–2025)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Severe Ice Storm | Mar 28, 2025 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Blizzards & Snowstorms | Snowstorm | Jan 27, 1978 |
| Drought | Drought | Mar 2, 1977 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Sep 3, 2022 | 5.00K |
| Lakeshore Flood | Oct 23, 2020 | 5.00K |
| Flash Flood | Jul 18, 2020 | 80.00K |
| Lakeshore Flood | Apr 13, 2020 | 150.00K |
| Flash Flood | Jun 21, 2011 | 18.00K |
Flood — Sep 3, 2022
A line of strong thunderstorms formed along an advancing cold front early in the morning on 9/3, eventually tracking into northern lower Michigan and producing heavy rainfall. Additional storms initiated just behind the line and continued to produce heavy rainfall in the vicinity of Little Traverse Bay, leading to significant erosion of the shoulder of M-119. A 24 hour rainfall total of 2.80 in...
Lakeshore Flood — Oct 23, 2020
Low pressure lifted across northern lower Michigan early in the morning of the 23rd. Very heavy rain fell just in advance of this low, late on the 22nd and early on the 23rd. 24 hour rainfall totals were 5.00 in Suttons Bay, 4.98 in Lake Ann, and 4.73 in Gaylord. Following a period of relatively dry weather, most flooding issues were minor. However, more significant road flooding occurred in an...
Flash Flood — Jul 18, 2020
Thunderstorm activity earlier in the day laid down an outflow boundary across far northern lower Michigan. Severe thunderstorms reignited along that boundary by mid afternoon. Damaging winds and excessive rainfall were the primary hazards.
Lakeshore Flood — Apr 13, 2020
Strong low pressure passed just north of eastern upper Michigan on the morning of the 13th. Gusty west to northwest winds developed during the day, in the wake of the low. Gusts of 40 to 50 mph were common across northern Michigan, especially during the afternoon. The highest measured wind gust was 58 mph at the airport in Gaylord. Some localized power outages resulted. Lakeshore flooding also ...
Flash Flood — Jun 21, 2011
Bands of training thunderstorms affected parts of Northwest and North Central Lower Michigan. Locally very heavy rain occurred in a few spots, including between Manistee and Cadillac. The only flooding occurred in the Cross Village area of Emmet County.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Emmet County, Michigan:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Emmet County, Michigan that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.