Enter any address in Mackinac County, Michigan to see its FEMA flood zone
1 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Mackinac County, Michigan has recorded 6 flood-related events since 1996 according to NOAA's Storm Events Database, including 5 flash floods. The county has received 7 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 |
| Severe Deep Freeze | Freezing | Jan 10, 1994 |
| 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 |
|---|---|---|
| Lakeshore Flood | Oct 21, 2019 | 150.00K |
| Flash Flood | Sep 24, 2010 | 18.00K |
| Flash Flood | Aug 2, 2004 | — |
| Flash Flood | Aug 2, 2004 | 40K |
| Flash Flood | Apr 12, 2001 | — |
| Flash Flood | Jul 31, 1999 | — |
Lakeshore Flood — Oct 21, 2019
Strong northerly to easterly winds resulted in another round of substantial coastal flooding and beach erosion, this time on both Lake Michigan and Lake Huron, for the 21st into the 22nd.
Flash Flood — Sep 24, 2010
Two days of heavy rain produced localized flooding in Eastern Upper Michigan. Rainfall amounts of 2 to 5 inches were common, most of which fell on the night of the 23rd. Raber picked up 4.75 inches of rain, Cedarville 4.10 inches, and St Ignace 3.40 inches.
Flash Flood — Aug 2, 2004
Numerous thunderstorms developed in a warm, moist, and unstable atmosphere ahead of a cold front. A number of storms became severe, mainly in Northeast Lower Michigan. A cluster of storms that moved through Eastern Upper Michigan in the morning produced locally heavy rain and some flooding.
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.
Flash Flood — Jul 31, 1999
Bow echo moved east across much of eastern upper and northern lower Michigan ahead of a cold front moving over the upper Midwest. Numerous reports of straight line wind damage were associated with the bow. Storms with heavy rain ahead of bow caused some flooding across Mackinac 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 Mackinac 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 Mackinac 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.