FEMA, Flood Plains and Flood Insurance

dscn0475_0039On July 14th, at the regular scheduled Logan Township meeting there will be discussion regarding the recent rule changes from FEMA about the availability of flood insurance in the designated flood plain of the Pere Marquette river.

Currently if you have a home in the flood plain, flood insurance is unavailable or so prohibitively expensive it may as well be. The rule change mandates you must have flood insurance if you have a mortgage or the lender can demand payment if full. Liability is capped at $35000 for a single family dwelling and $10000 for the contents.

Availability is also determined by your relationship to the flood plain, mainly your elevation in regards to historic river levels. The FEMA flood plains maps are here It takes some fooling around to find anything, your tax dollars weren’t spent on an easy to use web format, and how it might effect your township taxes hopefully will be explained on July 14th.

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