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National Flood Insurance Program

Contact: Matt Occhipinti 616-204-1708

In Michigan, as well as across the nation, the leading cause for disaster declarations by the Governor or the President is flooding. In 1968, Congress instituted the National Flood Insurance Program (NFIP) to reduce the economic and social cost of flood losses. This program makes flood insurance available in communities that agree to manage their floodplains in such a manner that additional flood prone structures are not built.

The National Flood Insurance Program Coordinator works with local units of government to assist them in meeting the NFIP requirements. This is carried out through a program of education, technical assistance, and oversight. In addition, assistance is provided to lenders, realtors, and insurance agents, as well as private citizens who have questions about flood insurance or floodplain management.

Michigan has seen significant growth in the number of individuals whose homes or businesses are protected by flood insurance. As of May 2020, there were 20,500 flood insurance policies in the state, providing coverage in the amount of $4,074,845,000. Since 1978, Michigan citizens with flood insurance have been paid $98,000,000 for flood losses.

Got a question about the NFIP or floodplains? Here's a list of floodplain staff contacts.

In Michigan, the state building codes already contain the necessary requirements to participate in the NFIP. There is no fee to participate in the NFIP, but the community must pass an ordinance. Sample documents are available on the NFIP Map Modernization Map Adoption page. Michigan communities may contact EGLE's Water Resources Division for guidance and assistance in enrolling into the NFIP. Michigan communities should submit NFIP enrollment documents to:

NFIP Coordinator
350 Ottawa Ave, NW
Grand Rapids, MI 49503