Luce County, MI: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Luce County scores at the 15.5th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is split between inland river flooding (about once every 28 years) and coastal storm surge (about once every 100 years). That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Luce County
FEMA hasn't published a residential structure count for Luce County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0% of all residential structures in Luce County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Luce County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Luce County ranks 2687 — 1 being the highest hazard nationally — and 2711 by population among all 3144 counties covered here, where 1 is the largest. Luce County, Michigan is home to about 6,328 people across 899.075 square miles of land.
Checking a specific address in Luce County
FEMA counts 5,281 residential structures in Luce County overall, 0 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Luce County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Luce County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.