Do I Need Flood Insurance in Michigan?

Photo of a home flooding -- need flood insurance in Michigan

In short yes, absolutely, 100%. Having a flood insurance policy is absolutely imperative to make sure that your house is fully covered and with spring on the way, there is plenty of rain in the forecast. We don’t expect you to just take our word for it though, here are the top 4 reasons to purchase a flood insurance policy:

Flooding is America’s #1 natural hazard

According to the Federal Emergency Management Agency, FEMA, floods are the #1 natural disaster in the United States. Floods are so common that there is a 26% chance of experiencing a flood during the life of a 30-year mortgage. This is one reason why having flood insurance in Michigan is so important!

Homeowners Insurance does not cover flood damage

Flood insurance in Michigan has to be purchased as a separate, stand-alone policy. It is not covered by your Homeowners insurance policy. This is a common misconception across the state that puts many homeowners at risk. Another reason why a flood insurance policy is a no-brainer. These policies reimburse you for any work completed to protect your home such as: sandbagging, moving furniture, and removing debris.

Your home is in the FEMA flood zone

That’s right. Every single house in the entire country is in a FEMA flood zone. Not all flood zones are treated the same; there are areas of high and low risk. You can use the FEMA Flood Map Service to better understand the flood risk in your area. If you live in a certain flood zone, your mortgage company may require that you purchase a Flood insurance policy. If you live outside high-risk zones, Flood insurance policies are typically optional. Either way, the best option to ensure the safety of your home is to purchase a flood insurance policy.

It’s affordable

If you live in a low-risk zone, Flood insurance typically costs as little as $2 a day. All you have to do is give up a couple of Starbucks drinks a week to protect your home! On average, the cost of a Flood insurance policy is about $700 a year, which may seem daunting at first, but the alternatives are far worse than the upfront costs. Moving out, losing your personal belongings, and/or paying for a new home are all very real consequences of floods. The overall cost for flood insurance will depend on your area and how much coverage you decide to buy, but overall it’s an affordable policy that is worth the peace of mind it brings.

Ask the right questions before buying Flood insurance in Michigan

The best part about working with an Independent Agent in Michigan is that we are always out for your best interest, no matter what. We have the knowledge and expertise to get you the best policy that fits your needs. Here are some great questions to ask about Flood insurance policies:

  • What flood zone do I live in?
  • What’s exactly covered in my flood insurance policy?
  • What should I do if I have to make a claim?
  • How can I pay for my policy?
  • Are there any additional expenses?
  • How long does it take for my Flood insurance to go into effect? (30 days, just so you know.)

Flood Infographic by Juliyana Carlie Straley

Have More Questions?

If you have any questions about Flood Insurance, or to review your policy limits, please contact us. For helpful tips on other popular topics, check out our articles on Personal Cyber Insurance, Winter Home Protection, and Ransomware Developments.

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At Mason-McBride, our insurance experts will create customized and appropriate coverage to reduce your exposure. Get a quote started today!

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