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Flood Zone Statement and Authorization - Michigan

Flood Zone Statement and Authorization - Michigan 2025

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The document is a Flood Zone Statement and Authorization form 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 flood hazard insurance if the property is later determined to be in a flood-prone area. The document includes sections for seller and buyer signatures, addresses, and dates.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Which documentation is acceptable proof of flood insurance?

A Policy Declaration page is acceptable evidence of flood insurance.

Does Flood Zone AE require flood insurance in Michigan?

Due to the flood zone being a high-risk area, properties that are mapped into flood zone AE are generally required to carry flood insurance. This means that if your home or commercial building is sitting on flood zone AE, your mortgage will require you to get flood coverage for the property against flood damage.

Should I buy a house in an AE flood zone?

While its true that Flood Zone AE is considered a high-risk area, with a 1% annual chance of flooding and a 26% chance over a 30-year mortgage, its not necessarily a deal-breaker. Heres why: Awareness and Preparedness: Properties in higher risk flood zones like AE are often more prepared.

Is flood zone AE good or bad?

Properties in Flood Zone AE are considered high-risk for several reasons: Proximity to Bodies of Water: These zones are often near rivers, lakes, or other bodies of water, which increases the likelihood of flooding. Elevation: The Base Flood Elevation (BFE) is a key factor.

Should I buy a house in flood zone AE?

Should I skip AE homes? No26% flood risk over 30 years is manageable with insurance and mitigation. AE homes come readyinsurance is standard: Properties in higher risk flood zones like AE are often more prepared.

Do I need flood insurance in zone AE?

Zones A, AE, AH, AO, AR and A99 are high-risk flood areas, due to proximity to a pond, stream, river or protective barrier under construction. In communities that participate in the NFIP, flood insurance is mandatory if mortgages are federally backed.

How do I get a flood certificate?

To get started, call your town or city government office and ask for the floodplain manager or the person who handles Elevation Certificates for that community. If you have trouble connecting with your local floodplain manager, you can contact your states floodplain management office.

What does flood zone AE mean in Michigan?

AE flood zones are areas that present a 1% annual chance of flooding(opens in new window) and a 26% chance over the life of a 30-year mortgage, ing to FEMA. These regions are clearly defined in Flood Insurance Rate Maps and are paired with detailed information about base flood elevations.

Flood Zone Statement and Authorization - Michigan 2025

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