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Do You Own Property in a Michigan Flood Area?

A sign has the words flood zone area on it with dark storm clouds in the background.Following the historic flooding in Midland, Michigan in May of this year, many property owners are probably wondering if they are overlooking the potential risks of flooding. Knowing about the local flood zones or areas can help you better understand your situation. Here in Michigan, not only do we have the five Great Lakes literally surrounding us, but we also have many smaller rivers and waterways. As fun and natural as this is, our watery neighborhoods can be a challenge for home and business owners. 

The Federal Emergency Management Agency (FEMA) set up specific maps designing zones as flood areas (known as floodplain mapping). They base this designation on how often storms and flooding hit the area. This article will focus on flood zones and what property owners need to know.

Use FEMA’s Flood Maps to Find Out if Your Property is in Danger

Most homes and properties in high-risk areas come as no surprise. If your property is near any body of water, your risk of being in a flood zone goes up. That is no reason to leave things up to chance.

Make sure to use FEMA’s Flood Map Service Center. This map will help you establish if your current property or one you plan on acquiring is in a danger zone. Beware, only part of your property may be in the flood zone. 

Flood Zone Designation May Impact Your Property’s Price

Sellers and buyers both need to be aware of floodplain mapping when looking to exchange property. If your property is on a flood plain, your price will feel an impact. The impact may come in the form of expected flood insurance prices. Be careful to check the designation of a property before you go to sell or purchase it - finding out late in the process could impact your closing price. 

How Will Michigan’s Flood Areas Impact my Business?

If you are buying a rental property or commercial real estate, make sure to explore the flood zone in the surrounding area. Additionally, flood insurance is a must-have addition to any existing property or homeowner’s insurance. Many broader insurances fall short of keeping you protected during a flood, so make sure to have it just in case. For more information on FEMA’s floodplain management in Michigan, click here.

Find Hope with a Quality Cleanup Company

A flood can be devastating to a home or business. If a flood strikes in your area, Jarvis is here to help. We are the trusted water mitigation company in Southeast Michigan. We have experience working with insurance companies to get your renovation underway as quickly as possible. Getting you back into your property is our number one priority. 

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