Henry Ahrens House · Photo: Esvobod2 · CC BY-SA 3.0Storms, floods and disasters in Tuscola Township
Tuscola Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Tuscola Township yet. Flood insurance has paid 40 claims here since 1978.
What Tuscola 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
Hail
Earthquakes
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.
Does Tuscola Township flood? Sometimes: 40 flood claims since 1978
Every paid claim on a federal flood insurance policy in Tuscola Township, from FEMA’s records.
- The Mid-spring storms1 claim · $801
Tuscola 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: Douglas County.The storms Tuscola Township remembers
None of the 10 disasters declared for Douglas County shows FEMA aid or repair money reaching Tuscola Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19858 flood claims paidNo declaration for the county that year
- 19966 flood claims paidThe year of Severe Storms and Flooding, declared for Douglas County
- 19784 flood claims paidNo declaration for the county that year
Douglas County has had 10 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Tuscola Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tuscola Township archive →Tuscola Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Garrett Township | Dmore damage than 90% | river and rain flooding | 5 |
| Camargo Township | D−more damage than 95% | river and rain flooding | 100 |
| Arcola Township | — | not graded yet | |
| Pesotum Township | — | 843 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 Tuscola 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Tuscola Township
Does Tuscola Township flood?
Flood insurance has paid 40 claims in Tuscola Township since 1978, $259K in all. The most claims came from Mid-spring storms (1).
Is Tuscola 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 Douglas County, 13% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Tuscola Township?
FEMA’s Community Rating System list shows no discount for Tuscola Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Tuscola Township?
By flood claims, Mid-spring storms: 1 paid, $801.
Storm stories
Memories, warnings and help from neighbors in Tuscola Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tuscola 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.