Flooding Crisis

Flood Insurance

  • Because Texas Township is part of the National Flood Insurance Program (NFIP), insurance agents must provide flood insurance. Private insurance is an option, but it may be difficult to get given the current lake levels.
  • The coverage limits are low for NFIP policy ($250,000 max for building and $100,000 for content).
  • NFIP Flood Insurance provides limited basement and basement contents coverage (make sure you know what is covered).
  • NFIP Flood Insurance rates are subsidized/discounted.
  • An elevation certificate is not required, but it is important in defining the frequency of flooding, and therefore you will get lower rates if you have one. This should be provided to the flood insurance agent.
  • There is a 30 day wait period after presentment of the premium before you can get flood insurance through NFIP.
  • Texas Township could reduce NFIP flood insurance rates in the Township by getting involved with the CRS program (Community Rating System). This requires specific activities by the Township and can reduce rates by 5% to 45%.

Answers to Questions about NFIP

Flooding in Texas Township

Flood and high water levels have begun to recede in Texas Township since pumping commenced in May, 2019. The Flooding Task Force continues to meet monthly to discuss progress. 

Updates:

Historical Information:

The Texas Township Board and staff are aware of the many flooding and water level issues affecting our residents. Historically, Texas Township has had many lakes and wetlands that collect runoff during storms but does not have a history of significant flooding.

In 2018, however, groundwater and lake levels did not recede following rain events as in the past.  Typically, the evaporation in the summer is substantial. However, lake levels have been two or more feet above normal and are currently above the 100 year flood plain. 

We have worked with our elected officials and engaged with Prein & Newhof, and specifically a hydrolic engineer and Kalamazoo County Drain Commission, to evaluate and assess the impacted areas to determine what is causing the water issues and what can be done to fix the problem and prevent it from happening again in the future. Download the Texas Township Flood Study Report from Prein & Newhof.

The MDEQ held a Public Hearing on the permit on Monday, February 11, 2019 to temporarily pump water from Eagle Lake and Crooked Lake into wetlands, Bass Lake, the West Fork of Portage Creek, and Atwater Mill Pond to relieve flooding. View documents at https://miwaters.deq.state.mi.us/miwaters/external/publicnotice/info/4158296997156391208/details

The MDEQ Permit was issued and signed on March 29, 2019 (and was revised May 16 to correct a clerical error). Both the Eagle Lake and Crooked Lake pumps are now operational and active, as of May 30, 2019.

At its April 22, 2019 meeting, the Township Board hosted the Flood Mitigation Special Assessment District No. 1 Public Hearing and Filing of Special Assessment Roll at Kalamazoo Valley Community College, 6767 West O Avenue, Kalamazoo, MI, Admissions Wing, Room 9130, within the Township, to review the special assessment roll and consider any objections to the special assessment roll.

Texas Township conducted a Flood Damage Assessment and asked all residents impacted by the flooding and high water levels to complete a survey to assess damages. This Flood Damage Assessment helped us to 1) identify the cause of the continued flooding and why we are not seeing relief; 2) identify a solution to reduce flooding and water levels; and 3) determine if the Township is eligible to apply for a Federal Emergency Management Agency (FEMA) grant to assist in funding that solution. While a Notice of Intent was filed with the state in 2018, it was determined that the Township would not qualify because most of the impacted homes are not within the 100 year flood plain. 

Resources and Updates:

The Township held an informative and productive Town Hall Meeting January 16, 2019 at 6:30 pm at KVCC, Dale B Lake Auditorium, to discuss potential funding options for the flood mitigation. Resident input was much appreciated as the Board will be discussing funding options for the short term solution in upcoming meetings. Click here to download the agenda or click here to download the Presentation from that meeting.

A Flooding Task Force was created at the September 10 Township Board Meeting to discuss the flooding issues and identify potential solutions. Here is a list of their meeting dates (click past dates to see the meeting summary):

Legal Lake Level Town Hall Meeting

This meeting on establishing legal lake levels and the long term solution will take place Thursday, October 3 at 7 p.m. in the KVCC Dale B. Lake Auditorium

Info Sheet and Petition Language PowerPoint Presentation
Flood Damage Assessment Update

If you have been impacted by flooding and high water levels, please complete this form from the Township Assessing Department.

Take the Flood Damage Assessment Update
Sign up for Weekly Updates

Texas Township is sending out weekly email newsletters, including information and updates on the flooding crisis, as well as other Township and community information.

Sign up for Emails See Past Updates
Township Board Agendas & Minutes

Township Board Meetings are held on the 2nd and 4th Monday of the month at 6:00pm (unless otherwise noted).

See Board Agendas & Minutes
Calendar of Events

See the Township calendar for upcoming meetings and community events.

See Upcoming Events