Is Houghton County, MI in a flood zone?
FEMA's National Risk Index puts Houghton County's flood hazard at the 43th 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 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Houghton County's flood-insurance compliance gap
Houghton County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Houghton County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Houghton County against the rest of the country
Houghton County sits at rank 1852 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1237 of 3144 by population (1 is biggest). Houghton County, Michigan is home to about 38,041 people across 1,009.103 square miles of land.
Your street may differ from Houghton County's average
Across all of Houghton County's 16,315 residential structures, 9 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 Houghton County's numbers. See the data quality guide for why Houghton County, like hundreds of other counties, doesn't get a clean compliance percentage.