FEMA flood zones · Michigan

Menominee County, Michigan Flood Zone Map

48 flood insurance claims·$412,429 paid·2 federal flood & hurricane disasters

5% of Menominee County’s area is in FEMA’s high-risk flood zones.

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 Menominee 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.

Where the flood claims came from

17% of Menominee County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

24 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In flood insurance claims here that reported a flood depth, the average was 13 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2020, with 13 claims and $54,933 paid.

1984: 1 claims1985: 4 claims1986: 12 claims1988: 1 claims1990: 1 claims1992: 1 claims2011: 1 claims2013: 1 claims2015: 1 claims2018: 1 claims2019: 4 claims2020: 13 claims2021: 2 claims2026: 5 claims19801990200020102020

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

In their words

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

Federal disasters

7 federal disaster declarations since 1973, 2 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms, Flooding, Landslides, And MudslidesJun 16, 2018
Hurricane Katrina EvacuationAug 29, 2005
Blizzards & SnowstormsJan 27, 1978
DroughtMar 2, 1977
Severe Storms & FloodingApr 12, 1973

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

Recorded flood events

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

EventDateDamage
Flash FloodJul 14, 2021$10,000
Lakeshore FloodMay 18, 2020$1.0M
Lakeshore FloodNov 27, 2019$100,000
Lakeshore FloodOct 21, 2019$100,000
FloodApr 20, 2019—
Flash FloodSep 19, 2019—
Flash FloodJun 16, 2018$175,000
Lakeshore FloodDec 2, 2018—

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

From the storm reports

Flash Flood · Jul 14, 2021. Thunderstorms training over northern Menominee County caused flash flooding from Cunard to Hermansville on the afternoon of the 14th. Portions of the Hermanville Golf Course were under water from the storms.

Lakeshore Flood · May 18, 2020. A tightening pressure gradient between a deepening low pressure system over the Midwest and Hudson Bay high pressure to the north generated a prolonged period of strong northeast winds to 40 mph or more across the Bay of Green Bay. Pounding waves into the shores of southern Menominee County caused extensive lakeshore flooding from the 18th into the morning of the 19th.

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 · Oct 21, 2019. An intense low pressure system moving from the Northern Plains across western Lake Superior produced strong east to southeast winds across the area which induced lakeshore flooding over the Bay of Green Bay and portions of the Keweenaw Peninsula on the 21st.

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 Menominee County

If a building in Menominee 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.