April Showers bring May Flowers, so October Rains bring…. November Snow?

Driving in a flood

April Showers bring May Flowers, so October Rains bring…. November Snow?

Living in the Great Lakes Bay Region

So, we live in the ‘Great Lakes Bay Region’.  In other words, we’re pretty much surrounded by water. In the summer, that’s great for boating, fishing, swimming and beach days. During the winter, it can mean ice fishing. But in the summer and fall, it can mean something not so fun – flooding.

Spring is always a worrisome time in regards to flooding, with the winter snow and ice melting and all the April showers we receive. But fall can be just as wet, as we saw in recent weeks here in the region.


Airport Mgr. Harry Smiley paddles his canoe in front of the main hanger at Clements airport after looking over the area on Sept 14, 1986.
(David J. Samson/The Bay City Times)

See more pictures of the flood from mLive.

Last month was the 30th anniversary of the Great Flood of 1986.  It’s also known to this day as Michigan’s greatest natural disaster. Parts of central Michigan received 26 consecutive days of rain.

Many people don’t think of our area as a flood risk, but did you know that it’s not just high risk areas that experience flooding? Between 20 and 25 percent of flood insurance claims come from a medium or low flood-risk area.  And even a few inches of water in your home can cause tens of thousands of dollars in damage.

With all this bad news, it’s a good things flood insurance is affordable!  The average flood insurance premium costs approximately $400 a year for an average of $100k of coverage.  As long as your community participates in the National Flood Insurance Program (NFIP), you can purchase flood insurance whether your home is in high risk or low risk area.

There a lots of things you can do to protect your home from flood damage. A big one is flood insurance, but some others:

  • Flood sensors: you can install these around your home where you shouldn’t get water (such as your basement.) If the sensors get wet, they will sound an alarm. You can get pretty fancy with some models, or save some money with flood sensors from amazon.
  • Put all important paperwork in a waterproof (and fireproof!) safe. While you’re at it, take the time to create a home inventory. It’s super beneficial to have one in case of any unforeseen event. There is a smartphone app called Know Your Stuff that is easy to use and free.

Contact us today to find out if your community participates in the NFIP and for details on how to buy flood insurance. Do it today, since policies take 30 days after they are purchased to go into effect.