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Directory of flood insurance agents in Bingham Farms, Michigan. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Bingham Farms, MI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Michigan before hiring.
Showing 2 flood insurance agents in Bingham Farms, MI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Aware Insurance Group, Inc.
30600 Telegraph Rd Ste 2230, Bingham Farms, MI 48025
(248) 606-8338
awareinsgroup.com
Gravity Insurance Group
30200 Telegraph Rd Ste 105, Bingham Farms, MI 48025
(586) 719-1155
Flood insurance agents in Bingham Farms help homeowners and businesses secure coverage through the National Flood Insurance Program (NFIP) or private carriers. Michigan law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Agents in Bingham Farms can explain local flood maps and help you choose a policy that meets your needs.
What Does a Flood Insurance Agent in Bingham Farms Cost?
The cost of flood insurance in Michigan varies by property. For an NFIP policy, annual premiums typically range from 700 to 2,000 dollars for a standard single-family home in a moderate-risk zone. In high-risk zones, premiums can exceed 3,000 dollars per year. Private flood insurance may offer lower rates for low-risk properties. Actual costs depend on the property's elevation, flood zone, building characteristics, and coverage amount. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Is flood insurance required in Bingham Farms Michigan?
Flood insurance is not required by Michigan state law for all properties. However, if your property is in a high-risk flood zone and you have a federally backed mortgage, your lender will require flood insurance. Check the FEMA flood map for Bingham Farms to see your zone.
What does a flood insurance agent do in Bingham Farms?
A flood insurance agent helps you assess your flood risk, compare NFIP and private flood policies, and complete the application. They can also advise on coverage limits, deductibles, and exclusions specific to Michigan properties.
How long does it take to get flood insurance in Michigan?
NFIP policies typically have a 30-day waiting period before coverage begins. Some private insurers may offer shorter waiting periods. Plan ahead if you are buying a home or closing on a mortgage in Bingham Farms.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Michigan.