Home / Flood Insurance Claims / Michigan / Bay County
Bay County Flood Insurance Claims
National Flood Insurance Program, 1979–2023 · 15th highest paid in Michigan
Claims
515
Total paid
$2.5M
Average / claim
$5K
Building / contents
$2.2M / $318K
Paid by decade
1970s$934 · 5 claims
1980s$1.1M · 352 claims
1990s$133K · 46 claims
2000s$10K · 10 claims
2010s$741K · 73 claims
2020s$487K · 29 claims
Worst years by dollars paid
| 1986 | $815K | 205 claims |
| 2017 | $365K | 36 claims |
| 2018 | $304K | 15 claims |
| 1983 | $288K | 123 claims |
| 2020 | $274K | 20 claims |
Full disaster history for Bay County →
Most-paid counties in Michigan
Source: FEMA OpenFEMA, NFIP Redacted Claims v3 (OpenFEMA NfipClaims v3, retrieved 2026-09) — dollars actually paid on closed claims, summed from individual claim transactions. This is a record of the past. It is not a flood-risk forecast, an insurance rating, or a judgment about any specific property. For current risk see FEMA's Flood Map Service Center and National Risk Index.