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Flood Zone Statement and Authorization - Michigan

Flood Zone Statement and Authorization - Michigan 2026

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The document is a Flood Zone Statement and Authorization that requires sellers to disclose whether the property is located in a flood-prone area as defined by the National Flood Insurance Act of 1968. Buyers acknowledge their awareness of the property's flood zone status and agree to obtain necessary flood hazard insurance if the property is later determined to be in a flood-prone area.

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Click ‘Get Form’ to open the Flood Zone Statement and Authorization in the editor.
Begin by entering the property address in the designated field at the top of the form.
In the 'Statement by Sellers' section, check one of the three options that best describes the flood zone status of the property. Ensure you provide accurate information as per your knowledge.
If applicable, attach a copy of any survey or Flood Certification form that reflects the property's flood zone status, and fill in the name of the certifying entity.
In the 'Statement by Buyers' section, acknowledge that you have been informed about the flood zone status by signing and dating where indicated.
Complete your address details in the provided fields for both sellers and buyers, ensuring all information is correct.
Review all entries for accuracy before saving or exporting your completed document.

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What does flood zone AE mean in Michigan?

Zone AE is the 1% annual chance (100-year) floodplain with BFEs. Cross Section location (see page 14). Shaded Zone X is the 0.2% annual chance (500-year) floodplain. Zone A (approximate) is the 1% annual chance floodplain.

What documentation is considered adequate proof of flood insurance?

a completed application for NFIP flood insurance and proof of the premium payment or the final settlement statement reflecting payment of the initial premium, or. the assignment of an existing NFIP flood insurance policy from the property seller to the purchaser.

How to get a flood zone certificate?

They often work for your citys or countys building, permitting, engineering or land use department. Ask them if there is an elevation certificate on file for your property. If your property doesnt have an elevation certificate on file, youll need to hire a land surveyor, engineer or architect to complete one.

What are the worst flood zone codes?

0:31 3:29 Level. However using fill dirt must be done carefully to prevent erosion. And ensure it doesntMoreLevel. However using fill dirt must be done carefully to prevent erosion. And ensure it doesnt increase flood risk to other properties. Another important aspect is obtaining an elevation certificate.

Is an AE flood zone bad?

Flood zones AE and A are considered high-risk areas and require flood insurance coverage.

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What if only part of my property is in a flood zone?

Even if just one wall or corner of the property extends into a high-risk zone, the entire structure must be covered. Heres how it breaks down: Main structure in high-risk zone (partially or fully): Coverage is mandatory. Detached residential structures: Typically require separate policies.

Does Flood Zone AE require flood insurance in Michigan?

High risk areas are started by either A or V, low and moderate flood risk areas begin with B, C, or X. D labels undetermined flood zones, where flood risk exists but is unmeasured.

Flood Zone Statement and Authorization - Michigan 2026

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