Michigan Flood Insurance

How to Find Michigan Flood Insurance

Find the right flood insurance policy for you.


In The Great Lakes state, it’s safe to assume there’s a risk of flooding. Michigan has over 3,000 miles of freshwater coastline. The state is prone to warm-weather storms that bring heavy rain and winter storms that pile on the snow. Flooding risk increases during snowmelt and heavy rains. Parts of Michigan lie in flood plains, making residents susceptible to flash floods. Did you know most homeowners policies don’t cover flood damage? For that, you need to purchase a Michigan flood insurance policy. 

An independent insurance agent in our network can help. These agents have access to multiple insurance companies, not just a single one.  These agents can help you compare Michigan flood insurance quotes and find a policy that fits your needs. Find an agent right in your area to get started.

Michigan Flood Facts

  • Nearly 4.8 residents live near the Michigan coastline.
  • In the past ten years, Michigan has experienced four federal flood disasters.
  • A recent storm caused enough damage to warrant over $15 million in public aid.
  • $45 million worth of flood insurance claims have been issued since 1978.
  • There are currently 25,700 flood insurance policies.
  • 18,400 of those policies are in high-risk areas.
  • Less than 1% of all statehouses are covered by flood insurance.

Save on Flood Insurance

Our independent agents shop around to find you the best coverage.

Do I Need Michigan Flood Insurance?

Flood insurance is a wise idea, even if you don’t live in a high-risk area. A flood doesn’t have to be devastating to cause very costly damage to your home. Even one or two inches of water sitting in your basement can cause structural and possible electrical damage. If the flood is declared a federal disaster, it’s possible that you may receive disaster assistance, but that works in a different manner than flood insurance. Disaster assistance is issued as a loan, which must be paid back with interest. When you have flood insurance, you make a claim and receive policy benefits to repair the flood damage. Water can cause big, expensive problems. Michigan flood insurance can help pay for them.

Michigan Flood Insurance Coverage

Keep in mind that flooding has to be related to weather and natural events. If a pipe bursts in your basement, your homeowners policy should cover that damage. A basic flood insurance policy will provide protection for the structure of your home, but not your personal items. However, you can buy additional flood coverage for your belongings, as well. If you aren’t sure just how much coverage you need, contact an agent. It's a good idea to purchase enough coverage to rebuild your home, if possible. Review your homeowners and flood insurance policy for exclusions and other details that may cause a coverage gap. Your independent agent can help you find coverage to protect you in most instances of water damage.

Affordable Michigan Flood Insurance Quotes

Fortunately, flood insurance isn’t very expensive. While plans are available through the National Flood Insurance Program (NFIP), many different insurance companies offer customized policies. Your agent has the ability to tap into multiple resources to find a plan that fits your needs. There is a 30-day waiting period with most policies, so don’t wait until storm season to start looking for coverage. With member agents in over 27,000 locations nationwide, it’s easy to find a professional, reliable agent in your area. 

To get the information you need about Michigan flood insurance, contact an agent today.

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