Luna Pier, Michigan Flood Zones
Last updated: March 2026
Luna Pier faces flooding from Lake Erie along its shoreline in Monroe County. Rising lake levels and wind-driven storm surge threaten waterfront properties and coastal infrastructure.
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 Luna Pier.
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 Luna Pier
Luna Pier is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Luna Pier are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $34.0M. Properties in Luna Pier's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Luna Pier are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. 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.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Luna Pier address.
Flood Insurance Discount: Luna Pier
Luna Pier 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 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Luna Pier's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% 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.
Luna Pier, MI Flood Zone FAQ
What flood zones are in Luna Pier, MI?
The most common FEMA flood zones in Luna Pier are Zone AE, Zone VE, 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 Luna Pier?
If your Luna Pier 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 Luna Pier?
Enter your Luna Pier 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 Luna Pier offer flood insurance discounts?
Yes. Luna Pier participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Luna Pier experienced major flooding events?
Monroe County, where Luna Pier 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 Luna Pier?
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 Luna Pier.
How many flood insurance policies are active in Luna Pier?
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 Luna Pier 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 Luna Pier?
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 Luna Pier's Zone AE and Zone VE 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.
Other Michigan Cities
Understanding Flood Zones
Look Up Any Luna Pier, MI Address
Enter a Luna Pier, MI address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
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.