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.

Through this program and allied state regulations, the State of Michigan has acquired a national reputation as a leader in floodplain management.

Michigan has seen significant growth in the number of individuals whose homes or businesses are protected by flood insurance. As of August 12, 1998, there were 26,374 flood insurance policies in the state, providing coverage in the amount of $2,305,979,400. Also, since 1978, Michigan citizens with flood insurance have been paid over $28,000,000 for flood losses. These payments have come from the flood insurance fund- not from taxpayers.

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