![]() Commerce Township is a participant in the National Flood Insurance Program, which makes it possible for our property owners to obtain federally, backed flood insurance. We urge persons to purchase flood insurance to protect against flood loss. Standard homeowner’s insurance policies do not cover losses due to floods. Commerce Township does not sell flood insurance please contact your insurance agent.įederal Emergency Management Agency (FEMA) National Flood Insurance The actual cost of the insurance will vary depending upon the amount of coverage and the degree of flood hazard. This insurance is available to any landowner or tenant of insurable residential property or personal property. Every state is at risk from this hazard.Ĭommerce Township is a participant in the National Flood Insurance Program which makes it possible for property owners to obtain federally, backed flood insurance and the Community Rating System which helps to reduce the cost of Flood Insurance to its Homeowners, We provide Flood Zone and Firm maps for Commerce Township and Elevation Certificates, they would need to be completed by an engineer. Even very small streams, gullies, creeks, culverts, dry streambeds, or low-lying ground that appears harmless in dry weather can flood. Flooding can also occur when a dam breaks, producing effects similar to flash floods.īe aware of flood hazards no matter where you live, but especially if you live in a low-lying area, near water or downstream from a dam. Overland flooding occurs outside a defined river or stream, such as when a levee is breached, but still can be destructive. Flash floods often have a dangerous wall of roaring water that carries rocks, mud, and other debris and can sweep away most things in its path. But flash floods can develop quickly, sometimes in just a few minutes and without any visible signs of rain. Some floods develop slowly, sometimes over a period of days. ![]() Flood effects can be local, impacting a neighborhood or community, or very large, affecting entire river basins and multiple states. You canįind a copy of the new EC form on the Townshipįloods are one of the most common hazards in the United States. Submission ofĮC'S on the old form will be rejected. ![]()
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