Is Cheboygan County, MI in a flood zone?
FEMA's National Risk Index puts Cheboygan County's flood hazard at the 77.9th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 9 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Cheboygan County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Cheboygan County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 6.2% of them do — 49 active policies against 794 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Cheboygan County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Cheboygan County compares nationally
Cheboygan County sits at rank 727 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1585 of 3144 by population (1 is biggest). Cheboygan County, Michigan covers 715.284 square miles and counts roughly 25,964 residents.
Your street may differ from Cheboygan County's average
FEMA counts 22,559 residential structures in Cheboygan County overall, 66 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Cheboygan County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.