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Flood Insurance Changes by FEMA

In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) which calls on the Federal Emergency Management Agency (FEMA) to make a number of changes to the way the National Flood Insurance Program (NFIP) is run. Some of these changes already have occurred, and others will go into effect October 1, 2013. Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk, make the program more financially stable. The changes will mean premium rate increases for most policyholders. Homeowners and business owners are encouraged to learn their flood risk and talk to their insurance agent to determine how their policy will be affected by BW-12.  Contact FEMA for more information at:

Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12)


Flood Map Modernization

The Federal Emergency Management Agency (FEMA) issued new Flood Insurance Rate Maps (FIRM) on April 03, 2012.  These maps may change the flood zone designation for your property located in the City of Ann Arbor.

View the flood maps

If you have a mortgage and the structure(s) is determined to be in a Special Flood Hazard Area by your lender, you will be required by your lender to purchase flood insurance.

Please note that these maps are a product of FEMA. The City can offer you information concerning your options, but the final determination is between your mortgage company and FEMA.

To learn more about the risk of flooding, visit

Flood Mitigation Grants

The City applied for and has been approved for two FEMA Flood Mitigation Grants. The projects will involve removal of several structures within the Allen Creek floodway:

215 and 219 West Kingsley St. 
Project Steps:
Purchase both lots and deed restrict the property as open space.

Demolish the structure at 219 West Kingsley St. 
Maximum Posible Project Budget: $288,000 (City share: $72,000)
Actual Project Cost: $222,334.85 (City share: $57,839.76) 

Project update: FEMA issued a Grant Agreement to begin work on this project Sept. 7, 2010. Ann Arbor City Council approved acceptance of Grant funds on Nov. 15, 2010. Purchase of the property and the deed restriction were completed on March 13, 2012.  The structure was demolished on Monday, September 10th, 2012.

Independent from the FEMA grant the City plans to install a rain garden at the site to increase stormwater infiltration and reduce flooding in the area. The City has selected the team of Conservation Design Forum (CDF) and PlantWise for rain garden design, construction and maintenace services. Rain garden will be designed following the building demolition, and installation is expected in the spring of 2014.  Additionally, the Ann Arbor Public Art Commission selected Artist, Joshua Wiener ( to work with CDF to design an art installation, which will be installed with the rain garden.  Click here for aditional information about the art installation.

721 North Main St.
Project Steps:
Remove large Vehicle Storage and Salt Storage Buildings
Deed Restrict Floodway
Maximum Posible Project Budget: $116,000 (City share $29,000)
Actual Project Cost: $34,175.87 (City share $8,543.97) 

Project update: The City has selected E.T. MacKenzie Company to demolish the two buildings.  City Council approved the contract on June 17, 2013. Demolition and site restoration was completed in August, 2013.

.2010 structure removal locations

Floodplain Ordinance

The City of Ann Arbor Flood Mitigation Plan, approved March 2007, recommends development of a comprehensive Floodplain Ordinance to accomplish numerous recommendations from the Plan. The City Planning Commission (CPC) passed a resolution on May 1, 2007 directing staff to draft a floodplain management ordinance for consideration by a CPC committee. City staff and the CPC committee have gone through several drafts and are currently working with the City Attorneys Office to finalize a draft before starting the public review process.


Last Updated August 6, 2013


Jerry Hancock
Stormwater and Floodplain Programs Coordinator
(734) 794-6430 Ext. 43709

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