Flood Insurance
Many homeowners are unaware that standard home insurance policies do not cover flood damage, leaving them vulnerable to significant out-of-pocket expenses. A "flood" is typically defined as an overflow of inland waters, rapid accumulation of surface waters, or wind driven surface water. Securing flood insurance is essential for comprehensive protection. Neptune Flood offers a streamlined process that allows you to obtain a quote in under two minutes without the need for an elevation certificate. Their policies provide robust coverages, including protection for personal belongings (contents coverage), assistance with temporary housing expenses if your home becomes uninhabitable due to flooding (loss of use), and coverage for in-ground swimming pool repair and refill costs. With Neptune Flood, safeguarding your home against flood damage is both simple and comprehensive.​ You can easily do a quote by entering your address below. We do offer multiple other flood carriers, including NFIP as well at MIAFS.
Flooding Events from 2024 in Michigan
​​In 2024, Michigan experienced several significant flooding events:​
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January Flooding: Early in the year, multiple rivers in Michigan, including the Grand River, Red Cedar River, and Maple River, experienced flooding due to a combination of heavy snowfall, rain events, and ice jams. Notably, areas like Comstock Park and Maple Rapids were affected. ​National Weather Service+1National Weather Service+1
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February Flooding: The month began with well-above-normal river flows, with several points exceeding flood stage. However, by the end of February, most rivers had receded to normal levels. ​Wikipedia+2National Weather Service+2National Weather Service+2
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July Flooding from Hurricane Beryl's Remnants: On July 9-10, the remnants of Hurricane Beryl brought heavy rainfall to Southeast Michigan, with amounts ranging from 2 to 7 inches. This led to significant flooding in areas such as Genesee County, particularly east of Flint. ​Wikipedia+3National Weather Service+3Wikipedia+3
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August Severe Storms: On August 27, severe storms produced wind gusts between 40-76 mph across Southeast Michigan. While the primary impact was wind damage, some areas, like Ann Arbor, received around 3 inches of rain, leading to localized flooding. ​National Weather Service+1National Weather Service+1
Additionally, in February 2024, a major disaster declaration was issued for Michigan due to severe storms, tornadoes, and flooding that occurred from August 24-26, 2023. This declaration provided federal assistance to affected individuals in multiple counties. ​Wikipedia+3Safeguard Properties+3State of Michigan | Michigan.gov+3
While these are some of the notable flooding events in Michigan during 2024, comprehensive data on the total number of flooding incidents throughout the year may be available through detailed reports from agencies like the National Weather Service or the Michigan Department of Environment, Great Lakes, and Energy.​
Why do you need flood?
Flood insurance is NOT covered under your home policy. Even though you may have water back up coverage, flood is not the same. Even though you might not be in a flood zone, many people recently have been impacted by severe weather, and areas that normally arent considered flood zones, have experienced catastrophic flooding. Dont get caught off gaurd.
