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Branch County Association of REALTORS®
P.O. Box 871
87 Marshall St.
Coldwater, MI  49036-0871

Phone: (517) 278-3192
Fax: (517) 278-4164
Hours: 9am-1pm

Sharon Atkinson,
Executive Officer

Realtor Party


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The City of Coldwater participates in the National Flood Insurance Program (NFIP) as administered through the Federal Emergency Management Agency (FEMA). As a part of the City of Coldwater’s participation in the program, the city provides information regarding the flood hazard for properties within the community. The city’s Neighborhood Services Department has Flood Insurance Rate Maps (FIRM) available for those parts of the community within the Special Flood Hazard Area (1% chance flood – a.k.a. 100 yr. floodplain) that were within the city limits as of the most recently adopted FIRM maps effective April 19, 2010. These maps can be viewed by visiting the Neighborhood Services Department in City Hall, One Grand Street. Maps can also be purchased directly from the FEMA Flood Map Store on the FEMA website at

The Neighborhood Services Department also responds to inquiries about the flood hazard status of properties within the city. The following information is available: Whether or not property is in the Special Flood Hazard Area; Map identification (number, date, community number, panel number); the FIRM Zone; the base flood elevation, and elevation datum. Information can be obtained by contacting Community Services Director Keith Baker, AICP, CFM, either in person, by email at or by calling 517-279-6929.

The city's participation in the NFIP enables any property owner within the City of Coldwater to purchase flood insurance. Flood insurance can be purchased through any licensed insurance agent. It is emphasized that flood insurance is available to anyone, whether located in the flood hazard area or anywhere else in the city.
It is a goal of the City of Coldwater to apply for participation in the NFIP’s Community Rating System (CRS). The objective of the CRS is to reward communities that do more than the minimum NFIP requirements with discounted insurance premiums. This is similar to the rating system for municipal fire departments. For example, a classification of an “8” would lower flood insurance premiums for property owners within the city by 10%.
For further information, contact the City of Coldwater Neighborhood Services Department at City Hall, One Grand Street, Coldwater, MI 49036 or call 517-279-6929.

You may also view updated digital floodplain maps on the city’s website at

Click on the “Interactive Map” for a link to floodplain information.

For additional information about the NFIP, visit FEMA’s website at

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