Photo: Royalbroil · CC BY-SA 3.0FEMA puts Bark River Township’s expected hazard damage per building below that of 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bark River Township gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns. Most of that expected damage is river and rain flooding (87%). FEMA’s files show no paid flood insurance claims here.
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 Bark River 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 Bark River Township’s grade
River and rain flooding is 87% of the building damage FEMA expects in Bark River Township, and Bark River Township’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Next is hail at 9% (higher than 90% of U.S. census tracts).
B lower expected damage per building than 65% of U.S. towns (21,298).
Bark River Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $664K a year in losses across Bark River Township: $404K to buildings, the rest to people and crops.
Does Bark River Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bark River Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bark River 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: Delta County.The storms Bark River Township remembers
None of the 3 disasters declared for Delta County shows FEMA aid or repair money reaching Bark River Township itself in FEMA’s records, so these are its biggest flood-claim years.
Delta County has had 3 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.
Bark River Township and its neighbors
Bark River Township is 5th 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 |
|---|---|---|---|
| Harris Township | Aless damage than 92% | river and rain flooding | 1 |
| Escanaba Township | Aless damage than 89% | river and rain flooding | 2 |
| Wells Township | A−less damage than 85% | river and rain flooding | 3 |
| Ford River Township | B+less damage than 67% | river and rain flooding | 4 |
| Bark River Township | Bless damage than 65% | river and rain flooding | 0 |
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 Bark River 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 Bark River Township
Is Bark River Township at risk for natural disasters?
On FEMA’s National Risk Index, Bark River Township has lower expected damage per building than 65% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (87%) and hail (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Bark River 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 Delta County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Bark River Township?
FEMA’s Community Rating System list shows no discount for Bark River Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bark River Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Bark River Township’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bark River Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bark River 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.