Tuscola County, MI: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Tuscola County scores at the 79.2th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Tuscola County's flood-insurance compliance gap
11.2% of the homes FEMA requires to carry flood insurance in Tuscola County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 90 policies against 801 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.4% of all residential structures in Tuscola County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Tuscola County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Tuscola County ranks 686 — 1 being the highest hazard nationally — and 975 by population among all 3144 counties covered here, where 1 is the largest. Tuscola County, Michigan is home to about 52,757 people across 804.902 square miles of land.
Checking a specific address in Tuscola County
FEMA counts 25,148 residential structures in Tuscola County overall, 97 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Tuscola 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.