Do I need to live in a floodplain to get flood insurance?

It is important to note that nearly 30% of all flood claims come from outside the "100-year-floodplain" as determined by the National Flood Insurance Program. The fact that a property is outside of the "legal" floodplain does not mean that the river or stream can't still reach that property.  You do not need to live in a floodplain to purchase flood insurance - coverage is available to any building located in a community that has qualified for the National Flood Insurance Program. For a listing of Michigan communities participating in the NFIP, you may visit Fema.gov.

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1. Why should I consider buying flood insurance?
2. Is flood damage covered by my homeowners insurance?
3. Where do I get flood insurance?
4. Is there a waiting period before my flood insurance policy becomes effective?
5. Do I need to live in a floodplain to get flood insurance?
6. Is water back up in basements covered by a flood insurance policy?
7. Can I get coverage for water back up in basements?