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A−Hazard risk
Natural hazards in Au Sable Township · FEMA

On FEMA’s figures, Au Sable Township faces less hazard damage per building than 78% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Au Sable Township gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 12 claims here since 1997.

River and rain flooding 88%Strong wind 4%Tornadoes 3%

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

less than 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Michigan · lower than 78% of U.S. towns
Main hazard
River and rain flooding
88% of expected building damage
Flood claims
12
paid since 1997 · $274K
Flooded more than once
2
properties
Flood claims per home
8 per 1,000
more than 69% of U.S. towns
By hazard

What Au Sable 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

88%of expected building damage
About average · lower than 50% of U.S. census tracts
Recorded about once every 6 years in the area
Smaller shares here
 Strong wind Tornadoes Hail Wildfire Coastal flooding Hurricanes Earthquakes Ice storms Winter storms Lightning 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 16% of Au Sable 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.
Hazard risk grade

What’s behind Au Sable Township’s grade

River and rain flooding is 88% of the building damage FEMA expects in Au Sable Township, and Au Sable Township’s rate of river and rain flooding damage is lower than 50% of U.S. census tracts.

Where Au Sable Township sits
Au Sable Township
Least damageMiddleMost damage

A− lower expected damage per building than 78% of U.S. towns (21,298).

Au Sable Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding88%Strong wind4%Tornadoes3%Everything else5%

In dollars, FEMA expects about $696K a year in losses across Au Sable Township: $509K to buildings, the rest to people and crops.

A small-area figure. Au Sable Township covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Au Sable Township flood? Sometimes: 12 flood claims since 1997

Every paid claim on a federal flood insurance policy in Au Sable Township, from FEMA’s records: 7.7 per 1,000 homes, more than 69% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1997: 1 claim1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 1 claim2019: 8 claims2020: 2 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199720192020
19972026
12
paid claims since 1997
$274K
paid to owners
2
homes flooded more than once
$23K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Au Sable 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: Iosco County.
Disasters

The storms Au Sable Township remembers

None of the 8 disasters declared for Iosco County shows FEMA aid or repair money reaching Au Sable Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20198 flood claims paidNo declaration for the county that year
  2. 20202 flood claims paidThe year of Severe Storms and Flooding, declared for Iosco County
  3. 19971 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Au Sable TownshipIosco County only

Iosco County has had 8 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.

Were you here?

Old photos of Au Sable Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Au Sable Township archive →
Next door

Au Sable Township and its neighbors

Au Sable Township is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Oscoda Township: hazard risk A−Wilber Township: not gradedBaldwin Township: hazard risk AOscoda TownshipWilber TownshipBaldwin TownshipAu Sable Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Baldwin TownshipAless damage than 91%river and rain flooding7
Oscoda TownshipA−less damage than 82%river and rain flooding8
Au Sable TownshipA−less damage than 78%river and rain flooding12
Wilber Township—732 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 Au Sable 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 Au Sable Township

Is Au Sable Township at risk for natural disasters?

On FEMA’s National Risk Index, Au Sable Township has lower expected damage per building than 78% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (88%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Au Sable Township flood?

Flood insurance has paid 12 claims in Au Sable Township since 1997, $274K in all, or 7.7 per 1,000 homes, more than 69% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.

Is Au Sable 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 Iosco County, 12% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.

How much is flood insurance in Au Sable Township?

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

Is Au Sable Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (88%), and Au Sable Township’s rate for it is lower than 50% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Au Sable Township.

Town Square →
Start the conversation

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