Flood Risk & Insurance Costs in Roscommon County, MI

Understanding flood insurance options and risk factors in Roscommon County.

Median Home Value

$133,400

Est. NFIP Premium

$534/yr

Est. Private Premium

$401/yr

Potential Savings

$133/yr

NFIP vs. Private Flood Insurance

NFIP (Federal)

Annual Premium$534
Monthly Cost$45
Max Building Coverage$250,000
Max Contents Coverage$100,000

Private Flood Insurance

Annual Premium$401
Monthly Cost$33
Building CoverageUp to full value
Contents CoverageCustomizable

Flood Risk Context for Roscommon County

Roscommon County in Michigan has a median home value of $133,400 and median household income of $49,898. A major flood event could cause up to $33,350 in damage to a median-value home.

Flood insurance costs vary significantly based on your specific flood zone, elevation, building characteristics, and claims history. The estimates above are county-level approximations. Use our calculator for a personalized analysis with Monte Carlo simulation of 10,000 flood scenarios.

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Other Counties in Michigan

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: FEMA NFIP, state insurance departments. Estimates are county-level approximations and may not reflect specific properties or flood zones. This is not insurance advice.