Bay Furnace · Photo: Shonebrooks · CC BY 2.5FEMA expects less hazard damage per building in Au Train Township than in 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Au Train Township gets a B+ for hazard risk: lower expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (86%), then hail (12%). Flood insurance has paid 2 claims here since 2022.
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 Au Train 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
Hail
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 Au Train Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Au Train Township, and Au Train Township’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Hail adds 12%, at a rate in the top 10% of U.S. census tracts.
B+ lower expected damage per building than 75% of U.S. towns (21,298).
Au Train Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $436K a year in losses across Au Train Township: $293K to buildings, the rest to people and crops.
Does Au Train Township flood? Rarely: 2 flood claims since 2022
Every paid claim on a federal flood insurance policy in Au Train Township, from FEMA’s records: 1.8 per 1,000 homes, fewer than 65% of the 13,809 U.S. towns with a flood insurance record.
Au Train 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: Alger County.The storms Au Train Township remembers
None of the 2 disasters declared for Alger County shows FEMA aid or repair money reaching Au Train Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20222 flood claims paidNo declaration for the county that year
Alger County has had 2 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Au Train Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Au Train Township archive →Au Train Township and its neighbors
Au Train Township is 3rd of the 4 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 |
|---|---|---|---|
| Munising | Aless damage than 91% | river and rain flooding | 1 |
| Munising Township | A−less damage than 83% | river and rain flooding | — |
| Au Train Township | B+less damage than 75% | river and rain flooding | 2 |
| Rock River Township | B+less damage than 75% | river and rain flooding | — |
| Grand Island Township | — | 23 residents; we grade 1,000+ | |
| Mathias Township | — | 428 residents; we grade 1,000+ | |
| Onota Township | — | 435 residents; we grade 1,000+ | |
| Limestone Township | — | 442 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 Au Train 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Au Train Township
Is Au Train Township at risk for natural disasters?
On FEMA’s National Risk Index, Au Train Township has lower expected damage per building than 75% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (86%) and hail (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Au Train Township flood?
Flood insurance has paid 2 claims in Au Train Township since 2022, $16K in all, or 1.8 per 1,000 homes, fewer than 65% of U.S. towns with a flood insurance record.
Is Au Train 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 Alger County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Au Train Township?
FEMA’s Community Rating System list shows no discount for Au Train Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Au Train Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Au Train Township’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Au Train Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Au Train 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.