Photo: NatFee · CC BY-SA 4.0Manito Township’s building-damage rate from strong wind is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Manito Township gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (64%), then tornadoes (16%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Manito Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Earthquakes
Strong wind
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Manito Township’s grade
River and rain flooding is 64% of the building damage FEMA expects in Manito Township, and Manito Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Tornadoes add 16%, at a rate in the top 6% of U.S. census tracts.
B− higher expected damage per building than 52% of U.S. towns (21,298).
All of Manito Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.5M a year in losses across Manito Township: $804K to buildings, the rest to people and crops.
Does Manito Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Manito Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Manito Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mason County.The storms Manito Township remembers
None of the 15 disasters declared for Mason County shows FEMA aid or repair money reaching Manito Township itself in FEMA’s records, so these are its biggest flood-claim years.
Mason County has had 15 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Manito Township and its neighbors
Manito Township is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Sand Prairie Township | B−less damage than 53% | river and rain flooding | — |
| Manito Township | B−more damage than 52% | river and rain flooding | 0 |
| Spring Lake Township | C−more damage than 77% | river and rain flooding | 30 |
| Forest City Township | — | 440 residents; we grade 1,000+ | |
| Quiver Township | — | 689 residents; we grade 1,000+ | |
| Malone Township | — | 241 residents; we grade 1,000+ | |
| Pennsylvania Township | — | 367 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Manito Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Manito Township
Is Manito Township at risk for natural disasters?
On FEMA’s National Risk Index, Manito Township has higher expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (64%) and tornadoes (16%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Manito Township in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Mason County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Manito Township?
FEMA’s Community Rating System list shows no discount for Manito Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Manito Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Manito Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Manito Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Manito Township’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.