Lapeer County, MI: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Lapeer County scores at the 68.4th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is 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. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Lapeer County's flood-insurance compliance gap
8.4% of the homes FEMA requires to carry flood insurance in Lapeer County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 32 policies against 380 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% of all residential structures in Lapeer County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Lapeer County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Lapeer County ranks 1034 — 1 being the highest hazard nationally — and 672 by population among all 3144 counties covered here, where 1 is the largest. Lapeer County, Michigan covers 647.475 square miles and counts roughly 89,168 residents.
What to do next if you own or are buying in Lapeer County
47 of Lapeer County's 42,764 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Lapeer County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.