Community Maps

A collection of maps have been developed to help identify parcels impacted by the initially proposed changes within each community.  These maps highlight parcels which appear to be impacted by the mapped areas of the zone A; however, the maps do not include information necessary to determine if individual structures are within a specific flood hazard area.  To determine the classification of the flood zone which includes your structure; visit your local community offices to review the associated map panels.  In some cases, a professional surveyor may be required to supply an elevation certificate for each structure.

Click on the respective community name to view our generalized parcel map.  The individual map link is followed by the affiliated partnership classification for the community and the exsisting map year of publication.  To learn how the affiliated partnership affects your insurance rate, see the text following the map list.  

City of Algonac - Participating: 1981 Map
Berlin Township - Not participating

Brockway Township  - Not Participating

Burtchville Township - Participating: 1986 Map
Casco Township - Not Participating
China Township - Participating: 1978 Map
Clay Township: Islands Participating: 1982 Map
Clay Township: Mainland Participating: 1982 Map
Clyde Township - Not Participating

Columbus Township - Participating: 1986 Map
Cottrellville Township - Participating: 1980 Map
Emmett Township/Village - Not Participating
Fort Gratiot Township - Participating: 1982 Map
Greenwood Township - Not Participating
Ira Township - Participating: 1980 Map
Kenockee Township - Participating: 1950 Map
Kimball Township - Participating since 1985
Lynn Township - Not Participating
Marine City  - Participating: 1979 Map
City of Marysville Participating: No Map
Mussey Township & Capac - Not Participating
  City of Port Huron; please visit your city offices - Participating: 1978 Map
Port Huron Township - Participating: 1991 Map

Riley Township - Not Participating
City of St. Clair  - Participating: 1978 Map
St. Clair Township - Participating: 1978 Map
Wales Township - Participating: 1985 Map
City of Yale - Not Participating

 Participating Community - A community for which the Mitigation Division Administrator has authorized the sale of flood insurance under the NFIP.

Not Participating Community - Flood insurance under the NFIP is not available within that community. Furthermore, Section 202(a) of Public Law 93-234, as amended, prohibits Federal officers or agencies from approving any form of financial assistance for acquisition or construction purposes in a Special Flood Hazard Area (SFHA). For example, this would prohibit loans guaranteed by the Department of Veterans Affairs, insured by the Federal Housing Administration, or secured by the Rural Housing Services. Under Section 202(b) of Public Law 93-234, if a Presidentially declared disaster occurs as a result of flooding in a non-participating community, no Federal financial assistance can be provided for the permanent repair or reconstruction of insurable buildings in SFHAs. Eligible applicants may receive those forms of disaster assistance that are not related to permanent repair and reconstruction of buildings. If the community applies and is accepted into the NFIP within 6 months of a Presidential disaster declaration, these limitations on Federal disaster assistance are lifted.
Submit-for-Rate- An application for flood insurance on a building for which no risk rate is published in the Flood Insurance Manual. Insurance coverage can be obtained only after the NFIP has approved the application and has established the risk premium rate.

Probation Surcharge (Premium) - A flat charge that the policyholder must pay on each new or renewal policy issued covering property in a community that the NFIP has placed on probation under the provisions of 44 CFR 59.24. After a period of one year, the community will be considered as not participating.

Community Rating System (CRS) - A voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements.  As a result, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community actions