Homeowner's Insurance

Flood Insurance

Upcoming Events regarding the National Flood Insurance Program:

The Federal Emergency Management Agency (FEMA), in coordination with local municipalities, is informing residents about the flood risks shown on the Grand Traverse County Preliminary Flood Insurance Rate Maps (FIRM) by hosting a Flood Risk Open House meeting.  Please see Grand Traverse County's recent press release regarding the Open House.

The Open House will provide residents with the opportunity to meet with experts one-on-one to learn more about their flood risk, get information on potential changes to flood insurance rates or requirements, and learn tips on how to mitigate and prepare for future floods. The Open House will occur on October 20 and 22, 2020 via Zoom at https://zoom.us/join from 5:00 p.m. to 8:00 p.m.

October 20 Meeting ID: 915 7637 4114, Password: FEMA20
October 22 Meeting ID: 928 8098 6543, Password: FEMA22

There will be no formal presentation. Residents may come any time during the scheduled hours. Local officials are also encouraged to attend to provide a local perspective on the information that residents will receive. If you have any questions, please contact Hilary Kendro at 717-612-4640 or by email at hilary.kendro@atkinsglobal.com. 

Additionally, there is a video series on Flood Risk which communicates the objectives of updating the community's flood risk data and maps. 

National Flood Insurance Program General Information:
The Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program (NFIP). East Bay Charter Township has been a NFIP participating community since the mid-1980’s. 

East Bay is designated as a Non-Special Flood Hazard Area, meaning the area is a moderate-to-low risk flood zone, and has yet to be mapped. Despite the low risk of flooding, some structures within the area could still be at risk. Township’s participation in the NFIP allows property owners to purchase flood insurance if they anticipate a risk of flooding. 

Only renters, homeowners, and business owners that have property in a “participating community” are eligible to purchase flood insurance. FEMA has updated the maps in our area as part of the Map Modernization Initiative. To enable East Bay Charter Township to continue participation, Ordinance 2018-1 and Resolution 2018-05 were passed on May 14, 2018. These documents are required by FEMA and coordinate the administration and enforcement with the Township, Grand Traverse County Construction Code Division, and FEMA. Please visit fema.org or the Flood Map page to view the new maps and fema.gov/national-flood-insurance-program.

NFIP: Top Ten Facts for Consumers 
Myths & Facts about NFIP

Fire & ISO Rating
The Insurance Services Office (ISO) rates fire departments and their surrounding communities. These ratings calculate how well-equipped fire departments are to handle fires in the community. The ISO provides this score, often called the "ISO fire score," to homeowners insurance companies. The insurers then use it to help set homeowners insurance rates. The more well-equipped your fire department is to put out a fire, the less likely your house is to burn down. This makes your home less risky, and therefore less expensive, to insure.

Then ISO rating is a score from 1 to 10 that indicates how well-protected the community is by the fire department. In the ISO rating scale, a lower number is better: 1 is the best possible rating, while a 10 means the fire department did not meet the ISO's minimum requirements, 5 is the median score.

According to the ISO's Fire Suppression Rating Schedule (FSRS), there are four main criteria to a fire rating score:

  • 50% comes from staffing levels, training and proximity of the firehouse.
  • 40% comes from availability of water supply, including hydrants and water capacity and sources in non-hydrant areas.
  • 10% comes from the quality of the area's emergency communications systems (911).
  • An extra 5.5% comes from community outreach, including fire prevention and safety courses.
  • Any area that is more than 5 driving miles from the nearest fire station is automatically rated a 10.
For more information contact Grand Traverse Metro Emergency Services Authority (231) 947-3000