Short answer: Michigan property policies generally exclude flood. Check FEMA maps and buy NFIP or private flood coverage. Michigan EGLE coordinates the NFIP. Under the Seller Disclosure Act, sellers must say whether they have flood insurance; that answer doesn't replace checking the FEMA map yourself.
This guide is general information for Michigan property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Maps and coverage
Use FEMA's Flood Map Service Center. Great Lakes shoreline, riverine and ice-jam flooding all appear on Michigan maps. Quote through FloodSmart. Most new NFIP policies have a 30-day waiting period.
EGLE floodplain management
Michigan EGLE administers floodplain management and the NFIP for the state. EGLE assists communities, lenders, realtors and insurers with NFIP and floodplain questions. Start there for ordinance and mapping issues.
Seller disclosures
Michigan's Seller Disclosure Act form (MCL 565.957) asks whether the seller has flood insurance. It does not, by itself, require a separate flood-zone disclosure. Buyers should still pull the FEMA map and decide whether to buy coverage.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Michigan.
Frequently asked questions
Who coordinates the NFIP in Michigan?
Michigan EGLE's Floodplain Management / National Flood Insurance Program staff.
What flood question must Michigan sellers answer?
Whether they have flood insurance, on the statutory Seller Disclosure Act form.
Do Michigan homeowners policies cover flood?
Generally no. Buy NFIP or private flood coverage separately.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.