FEMA puts Arcadia Township’s expected hazard damage per building below that of 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Arcadia Township gets an A− for hazard risk: lower expected damage per building than 81% of U.S. towns, #279 of 701 in Michigan. Most of that expected damage is river and rain flooding (77%), then tornadoes (11%). Flood insurance has paid 1 claim here since 1994.
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 Arcadia 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 Arcadia Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Arcadia Township, and Arcadia Township’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 7% of U.S. census tracts.
A− #279 of 701 in Michigan; lower expected damage per building than 81% of U.S. towns (21,298).
All of Arcadia Township’s residents live in one census tract; the figures are that tract’s.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Arcadia Township has less expected damage per building than 60% of Michigan towns.
In dollars, FEMA expects about $847K a year in losses across Arcadia Township: $542K to buildings, the rest to people and crops.
Does Arcadia Township flood? Rarely: 1 flood claim since 1994
Every paid claim on a federal flood insurance policy in Arcadia Township, from FEMA’s records: 0.8 per 1,000 homes, fewer than 83% of the 13,809 U.S. towns with a flood insurance record.
Arcadia 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: Lapeer County.The storms Arcadia Township remembers
None of the 7 disasters declared for Lapeer County shows FEMA aid or repair money reaching Arcadia Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19941 flood claims paidNo declaration for the county that year
Lapeer County has had 7 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Arcadia Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Arcadia Township archive →Arcadia Township and its neighbors
Arcadia Township is 2nd of the 5 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 |
|---|---|---|---|
| North Branch Township | A−less damage than 85% | river and rain flooding | — |
| Arcadia Township | A−less damage than 81% | river and rain flooding | 1 |
| Mayfield Township | A−less damage than 77% | river and rain flooding | 1 |
| Attica Township | A−less damage than 77% | river and rain flooding | — |
| Goodland Township | A−less damage than 77% | river and rain flooding | — |
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 Arcadia 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 Arcadia Township
Is Arcadia Township at risk for natural disasters?
On FEMA’s National Risk Index, Arcadia Township has lower expected damage per building than 81% of U.S. towns: A− for hazard risk, #279 of 701 in Michigan. Most of the expected damage is river and rain flooding (77%) and tornadoes (11%). 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 Arcadia Township flood?
Flood insurance has paid 1 claim in Arcadia Township since 1994, $19K in all, or 0.8 per 1,000 homes, fewer than 83% of U.S. towns with a flood insurance record.
Is Arcadia 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 Lapeer County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Arcadia Township?
FEMA’s Community Rating System list shows no discount for Arcadia Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Arcadia Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Arcadia Township’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Arcadia Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Arcadia 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.