Tawas Point Light Station · Photo: Asher196 03:32, 18 July 2008 (UTC) · CC BY-SA 3.0On FEMA’s figures, Baldwin Township faces less hazard damage per building than 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Baldwin Township gets an A for hazard risk: lower expected damage per building than 91% of U.S. towns. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 7 claims here since 1986.
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 Baldwin 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
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 Baldwin Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Baldwin Township, and Baldwin Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts.
A lower expected damage per building than 91% of U.S. towns (21,298).
Baldwin Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $524K a year in losses across Baldwin Township: $371K to buildings, the rest to people and crops.
Does Baldwin Township flood? Rarely: 7 flood claims since 1986
Every paid claim on a federal flood insurance policy in Baldwin Township, from FEMA’s records: 4.8 per 1,000 homes, more than 59% of the 13,809 U.S. towns with a flood insurance record.
Baldwin 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.The storms Baldwin Township remembers
None of the 8 disasters declared for Iosco County shows FEMA aid or repair money reaching Baldwin Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20202 flood claims paidThe year of Severe Storms and Flooding, declared for Iosco County
- 19861 flood claims paidNo declaration for the county that year
- 19871 flood claims paidNo declaration for the county that year
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.
Old photos of Baldwin Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Baldwin Township archive →Baldwin Township and its neighbors
Baldwin 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 |
|---|---|---|---|
| East Tawas | Aless damage than 91% | river and rain flooding | 13 |
| Baldwin Township | Aless damage than 91% | river and rain flooding | 7 |
| Tawas City | Aless damage than 89% | river and rain flooding | 7 |
| Tawas Township | A−less damage than 79% | river and rain flooding | — |
| Au Sable Township | A−less damage than 78% | river and rain flooding | 12 |
| 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.
Get ready for what Baldwin 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.
- 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 Baldwin Township
Is Baldwin Township at risk for natural disasters?
On FEMA’s National Risk Index, Baldwin Township has lower expected damage per building than 91% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (85%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Baldwin Township flood?
Flood insurance has paid 7 claims in Baldwin Township since 1986, $252K in all, or 4.8 per 1,000 homes, more than 59% of U.S. towns with a flood insurance record.
Is Baldwin 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 Baldwin Township?
FEMA’s Community Rating System list shows no discount for Baldwin Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Baldwin Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Baldwin Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Baldwin Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Baldwin 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.