Is Arenac County, MI in a flood zone?
FEMA's National Risk Index puts Arenac County's flood hazard at the 39.2th percentile nationally — below the national norm for flood hazard — split between inland river flooding (about once every 2 years) and coastal storm surge (about once every 71 years). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Arenac County's flood-insurance compliance gap
Out of 1,060 homes FEMA counts inside Arenac County's mapped flood zone, 62 carry the flood policy federal law requires there — 5.9% compliance, short of full coverage. Across all residential structures in Arenac County, not just the ones FEMA mandates, 1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Arenac County against the rest of the country
Arenac County sits at rank 1976 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2090 of 3144 by population (1 is biggest). About 15,087 people live in Arenac County, Michigan, spread over 363.178 square miles.
What to do next if you own or are buying in Arenac County
Across all of Arenac County's 10,379 residential structures, 100 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Arenac County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.