Marine Chapter House · Photo: Nyttend · Public domainFEMA expects more hazard damage per building in Marine Township than in 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Marine Township gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (64%), then earthquakes (21%). 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 Marine 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
Earthquakes
Tornadoes
Hail
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 Marine Township’s grade
River and rain flooding is 64% of the building damage FEMA expects in Marine Township, and Marine Township’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts. Next is earthquakes at 21% (higher than 83% of U.S. census tracts).
C higher expected damage per building than 68% of U.S. towns (21,298).
All of Marine Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.4M a year in losses across Marine Township: $835K to buildings, the rest to people and crops.
Does Marine Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Marine Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Marine 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: Madison County.The storms Marine Township remembers
None of the 13 disasters declared for Madison County shows FEMA aid or repair money reaching Marine Township itself in FEMA’s records, so these are its biggest flood-claim years.
Madison County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Marine Township and its neighbors
Marine Township is 2nd of the 6 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 |
|---|---|---|---|
| Pin Oak Township | Cmore damage than 68% | river and rain flooding | 6 |
| Marine Township | Cmore damage than 68% | river and rain flooding | 0 |
| Saline Township | Cmore damage than 69% | river and rain flooding | 1 |
| St. Jacob Township | Cmore damage than 71% | river and rain flooding | 1 |
| Alhambra Township | C−more damage than 75% | river and rain flooding | 5 |
| Helvetia Township | C−more damage than 80% | river and rain flooding | — |
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 Marine 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Marine Township
Is Marine Township at risk for natural disasters?
On FEMA’s National Risk Index, Marine Township has higher expected damage per building than 68% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (64%) and earthquakes (21%). 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 Marine 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 Madison County, 0.8% of all homes carry federal flood insurance.
How much is flood insurance in Marine Township?
FEMA’s Community Rating System list shows no discount for Marine Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Marine Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Marine Township’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Marine Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Marine 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.