FEMA flood zones · Michigan

Van Buren County, Michigan Flood Zone Map

31 flood insurance claims·$221,388 paid·4 federal flood & hurricane disasters

2% of Van Buren 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 Van Buren 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

22% of Van Buren County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

23 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 1 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 2019, with 4 claims and $36,316 paid.

1978: 1 claims1982: 2 claims1983: 1 claims1984: 1 claims1985: 3 claims1986: 2 claims1988: 2 claims1993: 1 claims1995: 1 claims1997: 2 claims2007: 1 claims2008: 1 claims2011: 1 claims2013: 1 claims2015: 1 claims2017: 1 claims2018: 2 claims2019: 4 claims2020: 2 claims2024: 1 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

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

Federal disasters

13 federal disaster declarations since 1973, 4 of them floods, coastal storms or hurricanes.

DisasterBegan
Hurricane Katrina EvacuationAug 29, 2005
Severe Storms, Tornadoes, And FloodingMay 20, 2004
SnowDec 11, 2000
Mi - Severe Weather 1/2 /99Jan 2, 1999
Severe Storms & FloodingSep 10, 1986
Severe Storms & FloodingSep 8, 1980
Severe Storms & TornadoesMay 16, 1980
Blizzards & SnowstormsJan 27, 1978

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

Recorded flood events

10 since 1996: 7 flash floods and 3 river or area floods.

EventDateDamage
FloodApr 17, 2013$3.0M
Flash FloodAug 13, 2011$100,000
FloodMay 21, 2004$1.0M
FloodFeb 24, 2001$10,000
Flash FloodAug 22, 2001$50,000
Flash FloodFeb 9, 2001$100,000
Flash FloodMay 18, 2000$100,000
Flash FloodFeb 21, 1997—

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

From the storm reports

Flood · Apr 17, 2013. Record flooding occurred during the month of April and record crests occurred on the lower portions of the Grand River at Ionia, Lowell, Ada, Comstock Park, and Grand Rapids, Michigan. Due to the severity of the flooding, Michigan���s Governor Rick Snyder declared a state of disaster for 19 counties and two cities. ||The two cities declared in the disaster were Grand Rapids and Ionia. The counties included…

Flash Flood · Aug 13, 2011. Thunderstorm wind damage included downed trees and power lines across portions of Calhoun, Kent and Ottawa counties. The southern half of Newaygo county experienced significant flooding where campers in Henning Park just east northeast of the town of Newaygo were evacuated.

Flood · May 21, 2004. The biggest and longest duration flooding event in the past ten to twenty years occurred across southwestern and south central lower Michigan from May 20th through the third of June. Flooding in mid May resulted in very high river levels and the ground was saturated on the 20th. Numerous thunderstorm complexes and areas of heavy rainfall developed repeatedly in the vicinity of a quasi stationary frontal boundary…

Flood · Feb 24, 2001. Minor flooding began during the evening hours of the 24th and continued through the rest of February. Minor street flooding occurred in Muskegon (Muskegon county) and Allegan (Allegan county) late on the 24th as a result of locally heavy rainfall. However, the event was primarily a river flood event, and an urban and small stream flood advisory was issued at 9:45 p.m. the 24th. Several area rivers crested slightly…

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 Van Buren County

If a building in Van Buren 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.