National Flood Insurance Program
The City of Portage for many years has participated in the National Flood Insurance Program (NFIP). Administered by the Federal Emergency Management Agency (FEMA), the NFIP allows property owners the opportunity to obtain flood insurance for properties that are located in or near a flood hazard area. Homeowners and businesses benefit from the program by reducing vulnerability to costly flooding events through proactive flood reduction efforts and the availability to obtain flood insurance.
Flood maps and information used to differentiate areas that have the potential or are subject to flooding are maintained by the City of Portage Department of Community Development. Similar flood-related information is also available at the Portage District Library. The information and material are provided to assist property and business owners in determining if their site is located in or near a flood hazard area. This knowledge is important as it allows actions that help protect property investments. Ground elevation certificates used to verify existing building elevations and letters of map amendment, a process to remove properties from flood hazard areas, are tracked and maintained by the Department of Community Development.
Most property owners are not aware that insurance policies typically do not cover damage from flood events. Further, flood insurance is only available for property in communities that participate in the NFIP. Because Portage participates in the NFIP floodplain management program, Portage property owners in or near a flood hazard area are able to obtain flood insurance at a reduced cost. Those without flood insurance may wish to contact an insurance provider to review options.
- As a public service, the Department of Community Development can provide you with the following information upon request:
- Whether a property is in or out of the Special Flood Hazard Area (SFHA) as shown on the current Flood Insurance Rate Map (FIRM) for the City of Portage.
- Additional flood insurance data for a site, such as the FIRM Zone, floodway locations, the Base Flood Elevation (BFE) or depth, if shown on the FIRM.
- Information about the mandatory flood insurance purchase requirement that applies to people who are getting a federally-backed mortgage or loan for a property in the SFHA.
- Access to Elevation Certificates that have been processed in the City of Portage if they exist for a certain property.
- Copies of Letters of Map Amendment (LOMAs) or Letter of Map Revision (LOMRs) are also retained in the Department of Community Development.
Useful information relating to floodplains can also be found at the Floodplain Management in Michigan Quick Guide website at http://www.michigan.gov/documents/deq/lwm-quickguide_202673_7.pdf.
Please contact the Portage Department of Community Development at 329-4477 for assistance.