Enter any address in Huron County, Michigan to see its FEMA flood zone
Flash flooding from intense thunderstorms is a significant flood character in Huron County. In August 2020, prolonged thunderstorms produced 3 to 6 inches of rainfall, with isolated totals of 8 inches around Kinde and Filion, leading to flooded and washed-out roads. Additionally, lakeshore flooding occurs, driven by strong winds and high water levels. For example, in January 2020, strong northeast winds contributed to significant lakeshore flooding and erosion along the county's shoreline.
NFIP claims data indicates that properties in Zone A have experienced substantial water depths, averaging 7.6 feet. Claims in Zone X have also shown high average payouts and water depths. Homeowners in Zone A, properties located near the Great Lakes shoreline, and those in areas prone to flash flooding should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
5 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Huron County, Michigan has recorded 16 flood-related events since 1996 according to NOAA's Storm Events Database, including 5 flash floods and 7 river or area floods. The county has received 8 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Snow | Snowstorm | Dec 11, 2000 |
| Severe Storms & Flooding | Flood | Sep 10, 1986 |
| Severe Storms And Flooding | Flood | Sep 5, 1985 |
| Blizzards & Snowstorms | Snowstorm | Jan 27, 1978 |
| Severe Storms & Flooding | Flood | Apr 12, 1973 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Lakeshore Flood | Jul 19, 2020 | 0.00K |
| Flood | Aug 16, 2020 | 0.00K |
| Flash Flood | Aug 16, 2020 | 0.00K |
| Lakeshore Flood | Jan 11, 2020 | 100.00K |
| Lakeshore Flood | Oct 31, 2019 | 0.00K |
| Lakeshore Flood | Oct 16, 2019 | 0.00K |
| Flood | Nov 1, 2019 | 5.00K |
| Flash Flood | May 31, 2010 | 0.00K |
| Flash Flood | Mar 5, 2004 | — |
| Flood | Mar 5, 2004 | — |
Lakeshore Flood — Jul 19, 2020
Severe thunderstorms moving through the area caused extreme water level fluctuations on Lake St. Clair, St. Clair River, and southern Lake Huron, which lead to lakeshore flooding.
Flood — Aug 16, 2020
Prolonged back building thunderstorms produced 3 to 6 inches of rainfall over northern Lake Huron during the early morning hours of August 16th with isolated 8 inch totals around Kinde and Filion. Roads were reported flood with some washed out as well.
Flash Flood — Aug 16, 2020
Prolonged back building thunderstorms produced 3 to 6 inches of rainfall over northern Lake Huron during the early morning hours of August 16th with isolated 8 inch totals around Kinde and Filion. Roads were reported flood with some washed out as well.
Lakeshore Flood — Jan 11, 2020
A winter storm tracking through southeast Michigan brought heavy rain and freezing rain, with about a quarter of an inch ice from US-10 south to about M-57. Many accidents and spin outs occurred across the Tri-Cities region and Flint vicinity due to the icy roads. In addition, strong northeast winds lead to high water levels and large waves causing significant lakeshore flooding and erosion alo...
Lakeshore Flood — Oct 31, 2019
High water levels over Lake Huron and northeast to north winds of 30-40 MPH produced large waves resulting in lakeshore flooding across Bay, Tuscola, and Huron Counties. The water level at Essexville peaked at 71.3 inches above chart datum. Shoreline erosion was reported at Port Hope.
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 Huron 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 Huron 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.