Enter any address in Kalkaska County, Michigan to see its FEMA flood zone
Kalkaska County, Michigan has recorded 2 flood-related events since 1996 according to NOAA's Storm Events Database, including 2 flash 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 |
|---|---|---|
| Flash Flood | Jun 7, 2006 | 20K |
| Flash Flood | Apr 12, 2001 | — |
Flash Flood — Apr 12, 2001
A combination of runoff from snowmelt and rainfall resulted in minor flooding primarily along the Pine River in the Upper Peninsula. Heavy rainfall was responsible for high water on the Manistee, Au Sable, Boardman, and Thunder Bay Rivers. No damage was reported though flood waters did rise onto some private property. Primarily, the water rose into yards and did not damage any structures.
Source: NOAA National Weather Service Storm Events Database.
FEMA assigns flood zone designations to areas in Kalkaska 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 Kalkaska 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.