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National Flood Insurance Program


The U.S. Congress established the National Flood Insurance Program (NFIP) with the passage of the National Flood Insurance Act of 1968. The NFIP is a Federal program enabling property owners in participating communities to purchase insurance as a protection against flood losses in exchange for State and community floodplain management regulations that reduce future flood damages.

Participation in the NFIP is based on an agreement between communities and the Federal Government. If a community adopts and enforces a floodplain management ordinance to reduce future flood risk to new construction in floodplains, the Federal Government will make flood insurance available within the community as a financial protection against flood losses. This insurance is designed to provide an insurance alternative to disaster assistance to reduce the escalating costs of repairing damage to buildings and their contents caused by floods.

Bath Charter Township has adopted an ordinance to participate in the National Flood Insurance Program. In order for Township residents to be eligible for federally subsidized flood insurance for homes that were built before the effective Flood Insurance Rate Maps, the Township had to adopt an ordinance, which was finalized in April of 2011.


Why is the bank requiring me to purchase flood insurance?

New maps (preliminary or effective) show my home now to be located in a Special Flood Hazard Area (SFHA); how does this affect my property and me?


For more information, please follow this link to additional resources to help aid you in the process of learning more about Flood Insurance and what options you have as a home owner.

Planning Director: Ryan Soucy
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Bath Charter Township
14480 Webster Road
P.O. Box 247
Bath, Michigan 48808
Phone: (517) 641-6728
Fax: (517) 641-4170
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