Enter any address in St. Clair County, Michigan to see its FEMA flood zone
Riverine and lakeshore flooding are the primary flood concerns in St. Clair County. Over the past 30 years, NOAA Storm Events data shows 16 flood events, 11 lakeshore flood events, and 3 flash flood events. For example, in February 2021, ice blockages along the St. Clair River caused significant flooding, with river levels approaching record highs at Algonac and St. Clair. More recently, in February 2022, the Black River near Jedo exceeded its banks, leading to flooded roads.
FEMA data indicates that properties in Zone A have experienced the highest number of flood insurance claims, with an average payout of $5,051 and an average water depth of 1.5 feet. While Zone X (not shaded) has fewer claims, its average payout is higher at $6,031, with an average water depth of 0.1 feet. Homeowners in flood-prone areas, particularly those near rivers or the Great Lakes shoreline, should be aware of their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
12 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
St. Clair County, Michigan has recorded 30 flood-related events since 1996 according to NOAA's Storm Events Database, including 3 flash floods and 16 river or area floods. The county has received 12 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1972–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 20, 2004 |
| Power Outage | Other | Aug 14, 2003 |
| Snow | Snowstorm | Dec 11, 2000 |
| Severe Storms And Flooding | Severe Storm | Jun 21, 1996 |
| Blizzards & Snowstorms | Snowstorm | Jan 27, 1978 |
| Severe Storms, Tornadoes, Icing & Flooding | Severe Storm | Mar 19, 1976 |
| Severe Storms, High Winds & Flooding | Flood | Apr 26, 1975 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Feb 17, 2022 | 0.00K |
| Flood | Feb 2, 2021 | 550.00K |
| Lakeshore Flood | Mar 29, 2020 | 0.00K |
| Lakeshore Flood | Apr 26, 2020 | 0.00K |
| Lakeshore Flood | Jun 23, 2020 | 0.00K |
| Lakeshore Flood | Jul 19, 2020 | 0.00K |
| Lakeshore Flood | Jan 18, 2020 | 0.00K |
| Lakeshore Flood | Nov 15, 2020 | 0.00K |
| Lakeshore Flood | Jan 11, 2020 | 100.00K |
| Flood | Jan 11, 2020 | 0.00K |
Flood — Feb 17, 2022
The Black river near Jedo in northern St. Clair county exceeded it banks on February 17th, which lead to some flooded roads. The river peaked just under 10 and half feet.
Flood — Feb 2, 2021
A very cold first half to February caused increasing ice cover over southern Lake Huron which lead to ice blockages along the St. Clair River. Bouts of significant flooding were observed, as the river gauges at Algonac and the Saint Clair State Police came very close to all time record levels. The peak river level at Algonac was 578.49 feet on February 2nd around 830 PM EST. The peak river leve...
Lakeshore Flood — Mar 29, 2020
Strong low pressure tracked through the Great Lakes region producing 1 to 2.5 inches of rainfall across southeast Michigan. As this system exited northeast, strong southwest to west-southwest winds followed during the daytime hours of Sunday, with gusts of 40 to 60 mph observed. Detroit Metro even had a higher wind gust of 62 mph reported around 230 PM in the afternoon. More than 15,000 DTE cu...
Lakeshore Flood — Apr 26, 2020
Prolonged east-northeast winds of 15 to 20 mph over Lake Erie and Lake St. Clair lead to some lakeshore flooding, as water levels remain at record high values.
Lakeshore Flood — Jun 23, 2020
Southwest winds over Lake St. Clair caused the water level to rise at the mouth of the St. Clair river.
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 St. Clair 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 St. Clair 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.