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

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 been in contact 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 or make comments through February 21, 2019 at https://miwaters.deq.state.mi.us/miwaters/external/publicnotice/info/4158296997156391208/details

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. However, the Township is considering using the Damage Frequency Assessment model to see if that data will meet the thresholds for FEMA grant requirements to possibly apply in 2019.

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.

The Township has been working with the Crooked Lake and Eagle Lake Associations and with the Drain Commission to find a more immediate fix to the problem, as well. Click here to view and sign a letter from the lake associations asking state elected officials for assistance with a short-term solution to provide some relief from the flooding.

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):

The township assessor is currently evaluating the homes in the “flood assessment area”, and if appropriate, will adjust assessed values and taxable values as of December 31, 2018. It is the taxable value established on December 31, 2018 on which your 2019 tax rates will apply. Flood Assessment Surveys are still available at the Township Hall and may be picked up during regular office hours. The completed surveys must have been turned in by no later than January 25, 2019 to be considered in your current assessment. See the January 11, 2019 e-Newsletter for more details.

DEQ Public Hearing

The Public Hearing on the DEQ Permit has been rescheduled for February 11, 2019 at 7:00 p.m., in the KVCC Dale B. Lake Auditorium, with an informal Q&A at 6:30 p.m.

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

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