House at 7066 Lobdell Road · Photo: Matthew Lampe · Public domainFEMA puts Argentine Township’s expected hazard damage per building below that of 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Argentine Township gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns, #429 of 701 in Michigan. Most of that expected damage is river and rain flooding (74%), then tornadoes (16%). Flood insurance has paid 2 claims here since 2023.
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 Argentine 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 Argentine Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Argentine Township, and Argentine Township’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 8% of U.S. census tracts.
B+ #429 of 701 in Michigan; lower expected damage per building than 72% of U.S. towns (21,298).
Argentine 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, Argentine Township has more expected damage per building than 61% of Michigan towns.
In dollars, FEMA expects about $1.9M a year in losses across Argentine Township: $1.2M to buildings, the rest to people and crops.
Does Argentine Township flood? Rarely: 2 flood claims since 2023
Every paid claim on a federal flood insurance policy in Argentine Township, from FEMA’s records: 0.7 per 1,000 homes, fewer than 85% of the 13,809 U.S. towns with a flood insurance record.
Argentine 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: Genesee County.1 federal disaster brought FEMA money to Argentine Township
Disasters that paid out in Argentine Township itself (aid to households or repair grants to Argentine Township), newest first, with that year’s flood claims.
- 2000Snow$2K to Argentine Township for repairs
Genesee County has had 9 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Argentine Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Argentine Township archive →Argentine Township and its neighbors
Argentine Township is 4th 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 |
|---|---|---|---|
| Deerfield Township | Aless damage than 86% | river and rain flooding | — |
| Fenton Township | A−less damage than 77% | river and rain flooding | 3 |
| Gaines Township | B+less damage than 74% | river and rain flooding | 9 |
| Argentine Township | B+less damage than 72% | river and rain flooding | 2 |
| Burns Township | B+less damage than 66% | river and rain flooding | — |
| Gaines | — | 552 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 Argentine 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 Argentine Township
Is Argentine Township at risk for natural disasters?
On FEMA’s National Risk Index, Argentine Township has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk, #429 of 701 in Michigan. Most of the expected damage is river and rain flooding (74%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Argentine Township flood?
Flood insurance has paid 2 claims in Argentine Township since 2023, $13K in all, or 0.7 per 1,000 homes, fewer than 85% of U.S. towns with a flood insurance record.
Is Argentine 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 Genesee County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Argentine Township?
FEMA’s Community Rating System list shows no discount for Argentine 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 Argentine Township?
By FEMA money that reached Argentine Township, Snow (2000): $2K to Argentine Township for repairs.
Is Argentine Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Argentine Township’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Argentine Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Argentine 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.