Flood Insurance in Michigan

If you are a property owner and reside where cooperation exists between the NFIP (National Flood Insurance Program) and the community, you are eligible to purchase flood insurance. We, here at The Ryan Insurance Agency in Clarkston, MI, can assist you by guiding you through Michigan's flood coverage options. Your regular homeowner’s insurance policy does not contain coverage for flood damage to your home and contents. In order to have coverage in the event of a flood, you must purchase an additional flood insurance policy. Private flood insurance may also be available.

Need for Flood Policies

Across the United States, flooding is the number one cause of disaster declarations, according to The Michigan Department of Environment, Great Lakes, and Energy. At this time, nationwide, flood insurance isn't covered by standard homeowners and renter’s insurance policies, although every region in America is a flood zone.

Variances in Flood Policies

There are, however, both high-risk and moderate-to-low-risk regions. FEMA, the Federal Emergency Management Agency, define various regions of flood risk according to flood hazard maps based on miscellaneous statistical data. Those in high-risk areas are in what's called an SFHA or Special Flood Hazard Area. Until their mortgage is completely paid off, they must carry and maintain flood insurance if they want to get FEMA assistance should a disaster occur. For those in moderate-to-low-risk areas, this special rule does not apply.

Getting a Flood Policy

Getting an insurance policy may seem complicated, but The Ryan Insurance Agency is an institution in Clarkston, MI that holds an established and respected name in insurance. We are here to help you understand how to protect yourself. Give our experts a call today and let us be of service to you. 248-403-8591