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–Not graded
Natural hazards in Aloha Township · FEMA

Storms, floods and disasters in Aloha Township

Aloha Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Aloha Township yet.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 5 declared for Cheboygan County
By hazard

What Aloha 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

98%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 9 years in the area
Smaller shares here
 Tornadoes Hail Strong wind Wildfire Lightning Coastal flooding Hurricanes Earthquakes Winter storms Ice storms Cold waves Heat waves Landslides
FEMA models no building damage here
AvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 9% of Aloha Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Aloha Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Aloha Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Aloha 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: Cheboygan County.
Disasters

The storms Aloha Township remembers

None of the 5 disasters declared for Cheboygan County shows FEMA aid or repair money reaching Aloha Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Aloha TownshipCheboygan County only

Cheboygan 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.

Next door

Aloha Township and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Grant Township: not gradedMullett Township: hazard risk CBenton Township: hazard risk C+Waverly Township: not gradedKoehler Township: hazard risk CGrant TownshipMullett TownshipBenton TownshipWaverly TownshipKoehler TownshipAloha Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Benton TownshipC+more damage than 58%river and rain flooding2
Koehler TownshipCmore damage than 66%river and rain flooding1
Mullett TownshipCmore damage than 73%river and rain flooding2
Grant Township—927 residents; we grade 1,000+
Waverly Township—642 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.

Be ready

Get ready for what Aloha 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.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Aloha Township

Is Aloha 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 Cheboygan County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Aloha Township?

FEMA’s Community Rating System list shows no discount for Aloha Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Aloha Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Aloha 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.