FEMA expects less hazard damage per building in Armada Township than in 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Armada Township gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns, #541 of 701 in Michigan. Most of that expected damage is river and rain flooding (81%), then tornadoes (12%). Flood insurance has paid 1 claim here since 2004.
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 Armada 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
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 Armada Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Armada Township, and Armada Township’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is tornadoes at 12% (higher than 79% of U.S. census tracts).
B #541 of 701 in Michigan; lower expected damage per building than 63% of U.S. towns (21,298).
All of Armada 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, Armada Township has more expected damage per building than 77% of Michigan towns.
In dollars, FEMA expects about $1.9M a year in losses across Armada Township: $1.4M to buildings, the rest to people and crops.
Does Armada Township flood? Rarely: 1 flood claim since 2004
Every paid claim on a federal flood insurance policy in Armada Township, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.
Armada 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: Macomb County.The storms Armada Township remembers
None of the 14 disasters declared for Macomb County shows FEMA aid or repair money reaching Armada Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20041 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Macomb County
Macomb County has had 14 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 Armada Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Armada Township archive →Armada Township and its neighbors
Armada Township is 3rd 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 |
|---|---|---|---|
| Bruce Township | A−less damage than 76% | river and rain flooding | — |
| Richmond Township | B+less damage than 70% | river and rain flooding | — |
| Armada Township | Bless damage than 63% | river and rain flooding | 1 |
| Ray Township | B−more damage than 51% | river and rain flooding | — |
| Berlin Township | C+more damage than 56% | 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 Armada 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.
- 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 Armada Township
Is Armada Township at risk for natural disasters?
On FEMA’s National Risk Index, Armada Township has lower expected damage per building than 63% of U.S. towns: B for hazard risk, #541 of 701 in Michigan. Most of the expected damage is river and rain flooding (81%) and tornadoes (12%). 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 Armada Township flood?
Flood insurance has paid 1 claim in Armada Township since 2004, $34K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record.
Is Armada 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 Macomb County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Armada Township?
FEMA’s Community Rating System list shows no discount for Armada Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Armada Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Armada Township’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Armada Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Armada 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.