Lake Michigan

People who have homes on the sandy, eroding shores of Lake Michigan don’t have a lot of protections when it comes to insurance coverage. 

Regular homeowners insurance does not cover flooding or any land movement, including erosion of the land beneath a structure.

Banks that give loans to lakefront homes require flood insurance, which could possibly provide some erosion coverage.

The Association of State Floodplain Managers Alan Lulloff says erosion that happens after a storm could be covered.

Fishtown officials are looking to move three shanties — historic buildings — from their original location in an effort to repair foundations rotted by high water levels this summer. 

The shanties will be placed roughly 10 to 15 feet back from their current location. They will be encased in weatherproof material to protect the structures from Michigan’s harsh winter weather.

The price tag to move them and replace the foundations is about $1 million, says Amanda Holmes, executive director of Fishtown Preservation. 

This week on Points North, how rising water levels and shoreline erosion are threatening homeowners on the coast of Lake Michigan.

Plus, how businesses in Fishtown are already falling into the water.

As Lake Michigan water levels remain at a near record high, more and more shoreline is being eaten away everyday. Large trees are sliding down steep banks into the water, wooden staircases are being torn out and property owners are panicking. As the fall storm season approaches, some worry their homes will be next.

This week on Points North, the water is so high in Michigan this summer that shorelines are disappearing, docks are underwater and rivers are overflowing. Plus hear how high water is affecting public access to beaches and research on avian botulism. 

Michigan has complicated laws when it comes to private beaches and public access, and the rules for inland lakes are different from the Great Lakes.

This week on Points North, we look at animals and the threats they face. Great Lakes piping plovers were on the verge of extinction in the 1980s, but recently they’ve been making a comeback. Still, their slow recovery is hindered by absent-minded beach walkers, high water levels and racoons.

Half a century ago, hundreds of pairs of piping plovers lived in the Great Lakes. But by the 1980s, they were on the verge of extinction and only a dozen pairs remained.

Over time, wildlife biologists have helped increase the population. But it’s still well below a stable number and each year there’s a new threat.

Piping plovers are small, stout white-gray birds. In the spring, they can be found nesting on the shores of the Great Lakes. Once a fixture on the lakes, the birds are now on the federal Endangered Species List.