Where Michigan Works!

City of Lansing

Welcome. Please contact me if I can help you in any way.

-Mayor Virg Bernero

Mayor Virg Bernero
A
A
A
Text Size:

Fire Department back

Flood Insurance

Do you need flood insurance?

If you live in the floodplain, you need flood insurance. Homeowners and renters insurance does not cover flood damage. Only flood insurance will cover flood damage. If you are renting in the floodplain, your landlord's flood insurance will probably not cover your belongings. 

You can buy flood insurance through any property insurance agent, but be aware that some agents have more experience with flood insurance than others. Get more than one quote!

Anyone in Lansing can buy flood insurance and everyone in the floodplain should have a flood insurance policy. Flood insurance policies come with an "increased cost of compliance" rider. This means that if your home is badly damaged by flooding you can get up to $30,000 extra to help floodproof your home.

If you live outside of the 100 year floodplain, consider a Preferred Risk Policy. Floods don't read maps--flooding can happen anywhere.

There is a 30 day waiting period for most new flood insurance policies, so don't wait until you see the water.

For more information on flood insurance contact your insurance agent or visit www.floodsmart.gov.

img
Randy Talifarro
Fire Chief
Contact
120 E. Shiawassee
Lansing, MI 48933
517-483-4200

HOURS
Monday through Friday
8:00 a.m. to 5:00 p.m.