Not only can a flood cause extensive damage to your home, it can disrupt your entire community—cutting off access to utilities, transportation, and emergency services. So how can you know the likelihood that your area will experience a flood? By knowing its flood factor.

A flood factor measures the 30-year risk that your area will flood from the impacts of rainfall, overflowing rivers and streams, storm surge, and high tides within a given year, as well as the estimated depth of the flood. The flood factor measurement system ranges from 1 to 10—properties that have higher flood factors have a greater risk of flooding, experiencing high floods, or both. Below are flood factor figures for some of the areas we serve, including Ann Arbor, Ypsilanti, and Chelsea, which we’ve researched from the non-profit First Street Foundation, an organization that measures environmental risks.

Zip Codes in Ann Arbor

48103, 48104, 48105, 48108—Flood Factor 4; Minor Risk of Flooding

Currently, Ann Arbor’s 48103 zip code has 1,071 properties that have greater than a 26 percent chance of being severely affected by a flood in the next 30 years.

The 48104 zip code has 387 properties with higher than a 26 percent risk of severe impact by a flood over the next 30 years.

Ann Arbor’s 48105 zip code has 648 properties with greater than a 26 percent chance of being severely affected by a flood in the coming 30 years.

The 48108 zip code has 397 properties that have greater than a 26 percent risk of being severely impacted by flooding in the next 30 years.

Zip Codes in Ypsilanti

48197 and 48198—Flood Factor 4; Minor Risk of Flooding

There are 816 properties in Ypsilanti’s 48197 zip code and 581 properties in the 48198 zip code that have more than a 26 percent chance of being severely impacted by a flood over the next 30 years.

Zip Code in Chelsea

48118—Flood Factor 4; Minor Risk of Flooding

Chelsea’s 48118 zip code has 337 properties with higher than a 26 percent risk of severe impact by a flood in the coming 30 years.

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