Is Dickinson County, MI in a flood zone?
FEMA's National Risk Index puts Dickinson County's flood hazard at the 38.7th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Dickinson 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, 9% of them do — 21 active policies against 233 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Dickinson County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Dickinson County compares nationally
Dickinson County sits at rank 1990 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1582 of 3144 by population (1 is biggest). Dickinson County, Michigan is home to about 25,995 people across 760.95 square miles of land.
Your street may differ from Dickinson County's average
FEMA counts 12,935 residential structures in Dickinson County overall, 24 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 Dickinson 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.