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To determine if your community is in the NFIP and if a Flood Insurance Rate Map (FIRM) exists for your community, contact the Federal Emergency Management Agency (FEMA) toll free at 877-336-2627 or view the community status book on the FEMA Web site at: .
Construction within the floodplain requires a permit from the Michigan Department of Environment, Great Lakes, and Energy (EGLE) where it has jurisdiction. Flood flow may not be obstructed in a manner that causes a rise in flood elevations at the property line.
If you live in a high-risk zone, your mortgage company might require you to buy flood insurance. But even if youre in a low-risk zone, flood insurance is still a good idea to protect your investment.
The September 1986 Michigan Flooding was the worst flood disaster in 50 years and would not be exceeded until the August 2014 Metro Detroit Flood. Total damage was estimated between $400 and $500 million, which is between $850 million and $1 billion in 2014 dollars .
Average Flood Insurance Cost and Coverage. Flood insurance in Michigan costs an average of $1,047 per year, around $280 higher than the national average of $767. The flood risk of a Michigan area impacts policy costs. Free.
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docHub Michigan Floods +The Grand River Flood of 1904. +The Lansing Area Flood of 1975. +The Muskegon River Flood of 1986. +The Dead River Flash Flood of 2003. +The Grand River Flood of 2013.
You may be able to purchase flood insurance through the National Flood Insurance Program or a private insurer. You may also wish to purchase endorsements which will offer limited coverages for water or sewer back-up.

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