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I have never heard of the Saginaw River flooding the town.

You don't seem to understand. FEMA re-wrote the flood maps. Example:

FEMA flood wall debate: Now 'we have a real case study,' says Grand Rapids city manager

The Saginaw River area may not be exempt. You'd have to look it up.

Saginaw River flood levels within top 20 highest crests of all time

In any event, you don't have to buy flood insurance.
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