Enter any address in Otsego County, Michigan to see its FEMA flood zone
2 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Otsego County, Michigan has recorded 3 flood-related events since 1996 according to NOAA's Storm Events Database, including 1 flash floods and 2 river or area 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 |
| Mi - Severe Weather 1/2 /99 | Snowstorm | Jan 2, 1999 |
| 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 |
|---|---|---|
| Flood | Jul 29, 2024 | 15.00K |
| Flood | Jul 29, 2024 | 0.50K |
| Flash Flood | Jul 21, 2003 | 3K |
Flood — Jul 29, 2024
Unusually moist airmass ahead of an approaching mesolow and lake breezes led to development of efficient rain-producing showers and storms in the late afternoon...leading to rainfall rates near two and a half inches per hour at times. Storm total rainfall by the next morning was largely between 1 and locally as high as 4-6 inches.
Source: NOAA National Weather Service Storm Events Database.
FEMA assigns flood zone designations to areas in Otsego 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 Otsego 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.