Bedford, Michigan Flood Zones
Last updated: March 2026
Bedford faces flooding from the River Raisin in Monroe County. Spring snowmelt and heavy rainfall cause the river to overflow its banks and flood low-lying properties in the township.
Monroe County has recorded 1,672 NFIP flood insurance claims since 1978, totaling $9.9M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 5
NFIP Policies
1,069
Monroe County
Avg. Premium
$1,048/yr
Monroe County
FEMA Flood Risk Profile: Monroe County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $34.0M
Coastal Flood Risk
Relatively LowEst. annual loss: $60K
Hurricane Risk
Very LowEst. annual loss: $48K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Monroe County
Monroe County has been included in 5 federal flood-related disaster declarations.
These declarations affected communities across Monroe County, including Bedford.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Monroe County
Properties in Monroe County have filed 1,672 NFIP flood insurance claims totaling $9.9M in payouts since 1978. The average claim payout is $6K.
Highest-Claim Years
1985
559 claims - $2.5M
1980
227 claims - $627K
1998
144 claims - $920K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
What Your Flood Zone Means in Bedford
Bedford faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Bedford are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $34.0M.
Riverine flood risk in Bedford is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Bedford address.
Flood Insurance Discount: Bedford
Bedford participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 9
SFHA Premium Discount
5% off
CRS classes range from 1 (best) to 10 (no discount). Bedford's Class 9 rating means NFIP policyholders in the SFHA can receive up to a 5% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Bedford, MI Flood Zone FAQ
What flood zones are in Bedford, MI?
The most common FEMA flood zones in Bedford are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Bedford?
If your Bedford property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Bedford?
Enter your Bedford address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Bedford offer flood insurance discounts?
Yes. Bedford participates in FEMA's Community Rating System (CRS) with a Class 9 rating, qualifying residents in the Special Flood Hazard Area for up to a 5% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Bedford experienced major flooding events?
Monroe County, where Bedford is located, has been part of 5 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Tornadoes, and Flooding in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Bedford?
Monroe County has recorded 1,672 NFIP flood insurance claims totaling $9.9M in payouts since 1978. The year with the most claims was 1985, with 559 claims and $2.5M in payouts. These figures cover all NFIP claims in the county, including Bedford.
How many flood insurance policies are active in Bedford?
Monroe County currently has 1,069 active NFIP flood insurance policies with an average annual premium of $1,048. The most policies are in Zone AE (822 policies). These figures cover all active NFIP policies in the county.
Can my Bedford property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Bedford?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Bedford's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Look Up Any Bedford, MI Address
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.