FEMA flood zones · Michigan

Keweenaw County, Michigan Flood Zone Map

1 federal flood & hurricane disasters

FEMA’s digital flood map shows no high- or moderate-risk zones in Keweenaw County. That can mean the area was never studied in detail or has no digital map, not that it can’t flood; the county floodplain administrator can say which.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Keweenaw County, Michigan. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

In their words

6 NOAA storm reports from Keweenaw County describe what happened, in the words of the forecasters who covered it. Read the Michigan flood stories →

Federal disasters

5 federal disaster declarations since 1978, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
FloodingApr 16, 2013
Hurricane Katrina EvacuationAug 29, 2005
Blizzards & SnowstormsJan 27, 1978

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

8 since 1996: 1 flash floods, 4 river or area floods and 3 coastal floods or surges.

EventDateDamage
Lakeshore FloodDec 29, 2025—
FloodApr 22, 2023$1.0M
Lakeshore FloodNov 27, 2019$100,000
Lakeshore FloodSep 10, 2014$2,000
FloodApr 28, 2013$72,000
FloodMay 11, 2006$60,000
Flash FloodJun 23, 2005—
FloodMay 11, 2003—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Lakeshore Flood · Dec 29, 2025. A surface low pressure rapidly deepened 22 mb in 24 hours as it tracked northeastward from the mid-Mississippi Valley to Chicago to the Georgian Bay, bringing blizzard conditions to the UP on the 28th and 29th. Rain turned to snow during the afternoon and evening of the 28th with a few inches of heavy, wet snow developing and sticking to trees. As the low moved east, cold air quickly rushed in and heavy snow conti…

Flood · Apr 22, 2023. Highway M-26 was closed on the evening of the 22nd due to the collapse of a retaining wall at the Silver River Bridge located between Eagle Harbor and Copper Harbor in Keweenaw County. The bridge's already compromised stone retaining wall eroded due to the heavy runoff from spring snow melt forcing the closure of Highway M-26. MDOT will be working on a $2.9 million project to remove and replace the bridge this s…

Lakeshore Flood · Nov 27, 2019. A deepening storm system tracking from the Central Plains across northern Lower Michigan snarled holiday traffic by dumping moderate to heavy snow across much of west and north central Upper Michigan on the 27th, the day before Thanksgiving. The dense heavy snow combined with strong northeast to east winds gusting from 35 mph to more than 50 mph at times to cause downed trees and power poles across much of Upper…

Lakeshore Flood · Sep 10, 2014. Heavy rain developing along a cold front tracked west to east across Upper Michigan on the 10th. Strong north winds behind the front caused coastal flooding and erosion along the Lake Superior over portions of west and north central Upper Michigan from the 10th into the 11th. The strong winds also caused a brief power outage and downed a couple of trees in Eagle Harbor.

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Keweenaw County

If a building in Keweenaw County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.