Storms, floods and disasters in Alcona Township
Alcona Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Alcona Township yet. Flood insurance has paid 1 claim here since 2026.
What Alcona 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.
Does Alcona Township flood? Rarely: 1 flood claim since 2026
Every paid claim on a federal flood insurance policy in Alcona Township, from FEMA’s records.
- The 2026-04-Flooding1 claim · $19K
Alcona 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: Alcona County.The storms Alcona Township remembers
None of the 6 disasters declared for Alcona County shows FEMA aid or repair money reaching Alcona Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20261 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Alcona County
Alcona County has had 6 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.
Old photos of Alcona Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Alcona Township archive →Alcona 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 |
|---|---|---|---|
| Sanborn Township | Aless damage than 91% | river and rain flooding | — |
| Hawes Township | A−less damage than 79% | river and rain flooding | 1 |
| Caledonia Township | C+more damage than 55% | river and rain flooding | — |
| Haynes Township | — | 777 residents; we grade 1,000+ | |
| Lost Lake Woods | — | 458 residents; we grade 1,000+ | |
| Mitchell Township | — | 476 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 Alcona 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 Alcona Township
Does Alcona Township flood?
Flood insurance has paid 1 claim in Alcona Township since 2026, $19K in all. The most claims came from 2026-04-Flooding (1).
Is Alcona 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 Alcona County, 2% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Alcona Township?
FEMA’s Community Rating System list shows no discount for Alcona 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 Alcona Township?
By flood claims, 2026-04-Flooding: 1 paid, $19K.
Storm stories
Memories, warnings and help from neighbors in Alcona Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Alcona 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.