Albee Township’s building-damage rate from strong wind is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Albee Township gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 2 claims here since 1996.
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 Albee 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
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 Albee Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Albee Township, and Albee Township’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 5% of U.S. census tracts.
B− higher expected damage per building than 53% of U.S. towns (21,298).
All of Albee Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $666K a year in losses across Albee Township: $427K to buildings, the rest to people and crops.
Does Albee Township flood? Rarely: 2 flood claims since 1996
Every paid claim on a federal flood insurance policy in Albee Township, from FEMA’s records: 2.6 per 1,000 homes, fewer than 55% of the 13,809 U.S. towns with a flood insurance record.
Albee 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: Saginaw County.1 federal disaster brought FEMA money to Albee Township
Disasters that paid out in Albee Township itself (aid to households or repair grants to Albee Township), newest first, with that year’s flood claims.
- 2008Severe Storms, Tornadoes, and Flooding$1K to Albee Township for repairs
Saginaw County has had 15 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.
Old photos of Albee Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Albee Township archive →Albee Township and its neighbors
Albee Township is 3rd 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 |
|---|---|---|---|
| Montrose Township | B+less damage than 74% | river and rain flooding | — |
| Maple Grove Township | B−more damage than 53% | river and rain flooding | 3 |
| Albee Township | B−more damage than 53% | river and rain flooding | 2 |
| St. Charles Township | C+more damage than 58% | river and rain flooding | 15 |
| Taymouth Township | Cmore damage than 68% | river and rain flooding | 2 |
| Spaulding Township | Cmore damage than 74% | river and rain flooding | 62 |
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 Albee 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.
- 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 Albee Township
Is Albee Township at risk for natural disasters?
On FEMA’s National Risk Index, Albee Township has higher expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (8%). 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.
Does Albee Township flood?
Flood insurance has paid 2 claims in Albee Township since 1996, $5K in all, or 2.6 per 1,000 homes, fewer than 55% of U.S. towns with a flood insurance record.
Is Albee 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 Saginaw County, 1.1% of all homes carry federal flood insurance.
How much is flood insurance in Albee Township?
FEMA’s Community Rating System list shows no discount for Albee 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 Albee Township?
By FEMA money that reached Albee Township, Severe Storms, Tornadoes, and Flooding (2008): $1K to Albee Township for repairs.
Is Albee Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Albee Township’s rate for it is higher than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Albee Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Albee 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.