Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Ogemaw 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.
1 NOAA storm reports from Ogemaw County describe what happened, in the words of the forecasters who covered it. Read the Michigan flood stories →
6 federal disaster declarations since 1977.
| Disaster | Began |
|---|---|
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Mi - Severe Weather 1/2 /99 | Jan 2, 1999 |
| Blizzards & Snowstorms | Jan 27, 1978 |
| Drought | Mar 2, 1977 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
4 since 1996: 2 flash floods and 2 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | May 18, 2020 | $450,000 |
| Flash Flood | Jun 12, 2010 | $150,000 |
| Flood | Sep 26, 2005 | — |
| Flash Flood | May 9, 2004 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · May 18, 2020. A very slow moving low pressure system advanced east from the central Plains. Unusually deep moisture was pushed northward into the Great Lakes region, ahead of this low. Multiple rounds of heavy rain fell in parts of northern lower Michigan on the 17th and 18th. This heavy rain targeted east central and northeast lower Michigan in particular. Rainfall amounts of 2 to 4 inches were common by the morning of the 18t…
Flash Flood · Jun 12, 2010. Slow moving thunderstorms produced flash flooding in northern Ogemaw County.
Flood · Sep 26, 2005. Persistent rain and embedded thunderstorms produced heavy rain in parts of central Lower Michigan. An observer in St Helen reported 5.79 inches of rain in the 24 hours preceding 8 am EDT on the 26th. Five inches of rain fell on Lupton, with 3.66 inches in Gladwin. The West Branch of the Rifle River rose out of its banks near the city of West Branch, though no property damage was reported. Significant flooding…
Flash Flood · May 9, 2004. A warm front was moving slowly north into Lower Michigan. Thunderstorms developed repeatedly north of the warm front, dropping up to 2 inches of rain in less than an hour in spots. Isolated flooding and flash flooding resulted, with more widespread flooding in southern Gladwin County.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Ogemaw 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.