Sterling Heights, MI Home InsuranceHome insurance in Sterling Heights, MI
Parts of Sterling Heights are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.
Flood risk in Sterling Heights
Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.
FEMA's current mapping for the Sterling Heights area shows Zone AE, Zone A alongside Zone X, which is the lower-risk designation.
Sterling Heights is in FEMA's Community Rating System at Class 7, which earns residents 15% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.
Source: FEMA National Flood Hazard Layer; NFIP community 260128.