Less hazard damage per building is expected in Albert Township than in 97% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Albert Township gets an A+ for hazard risk: lower expected damage per building than 97% of U.S. towns, #33 of 701 in Michigan. Most of that expected damage is river and rain flooding (86%). 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 Albert 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
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 Albert Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Albert Township, and Albert Township’s rate of river and rain flooding damage is lower than 79% of U.S. census tracts.
A+ #33 of 701 in Michigan; lower expected damage per building than 97% of U.S. towns (21,298).
Albert Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Albert Township has less expected damage per building than 95% of Michigan towns.
In dollars, FEMA expects about $839K a year in losses across Albert Township: $612K to buildings, the rest to people and crops.
Does Albert Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Albert Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
The storms Albert Township remembers
None of the 5 disasters declared for Montmorency County shows FEMA aid or repair money reaching Albert Township itself in FEMA’s records, so these are its biggest flood-claim years.
Montmorency County has had 5 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Albert Township and its neighbors
Albert Township has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Albert Township | A+less damage than 97% | river and rain flooding | 0 |
| Greenwood Township | Aless damage than 94% | river and rain flooding | 5 |
| Elmer Township | Aless damage than 94% | river and rain flooding | — |
| Charlton Township | A−less damage than 83% | river and rain flooding | — |
| Briley Township | A−less damage than 79% | river and rain flooding | — |
| Loud Township | — | 218 residents; we grade 1,000+ | |
| Vienna Township | — | 436 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 Albert 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.
- 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 Albert Township
Is Albert Township at risk for natural disasters?
On FEMA’s National Risk Index, Albert Township has lower expected damage per building than 97% of U.S. towns: A+ for hazard risk, #33 of 701 in Michigan. Most of the expected damage is river and rain flooding (86%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Albert 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.
How much is flood insurance in Albert Township?
FEMA’s Community Rating System list shows no discount for Albert Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Albert Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Albert Township’s rate for it is lower than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Albert Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Albert 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.