How much is Flood Insurance in Michigan? is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our instant quote tool assesses rates from numerous carriers to get you the best coverage for the lowest price. 

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How much is Flood Insurance in Michigan?

The average cost per policy in Michigan through the NFIP is $863.39. Depending on where you live, this average could vary substantially! When you also add in variables like your deductible, the cost of your home and contents, your premiums can change. 10 of the most populated cities in Idaho are listed below with their average cost per policy through the NFIP. If you're interested in a quote for a private flood insurance policy to compare costs, we offer a 100% online quote process.

Average Costs through the NFIP

Average Cost per Policy
Grand Rapids
Sterling Heights
Ann Arbor

*Prices as of April, 2021.

Do I need flood insurance in Michigan?

Yes, you should protect your home with coverage at all times against the most common, and most costly, natural disaster. Flood can happen anywhere!


Federal law requires anyone who purchases a home with government-issued or government-backed financing to purchase flood insurance if the home is in a high-risk flood area. For more information flood zones, visit our Flood Map Lookup to type in your address and find out if you're in a high-risk flood zone.


Does my Michigan homeowners insurance in cover flooding?

Typically, your homeowners or renters insurance does not cover flooding. Over 20% of flood claims come from properties outside a high-risk flood zone. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process, you can get a quote started here!

How to get cheap flood insurance in Michigan?

With private flood insurance, you have options for broader coverage, usually at a lower price than if you were to purchase a policy through the NFIP. Get a quote and find out just how much we can save you when compared to an NFIP equivalent policy! Also note the differences in coverage between the two, it could be the difference between hundreds, if not thousands of dollars, down the line.

How Much Could a Flood Cost You in Michigan?

Experiencing a flood in your home can be emotionally and financially devastating. Use the tool below to see how much even just an inch of water could cost you. Flood Insurance can help you get back on your feet again.

Get an Instant Flood Insurance Quote Online today!

Our quick quote tool assesses rates from numerous carriers in seconds to get you the best coverage at the lowest price. 

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