Ninth District Lighthouse Depot · Photo: Teemu08 · CC BY-SA 3.0FEMA expects less hazard damage per building in Baroda Township than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Baroda Township gets a B+ for hazard risk: lower expected damage per building than 65% of U.S. towns, #518 of 701 in Michigan. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 2 claims here since 2009.
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 Baroda 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 Baroda Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Baroda Township, and Baroda Township’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Next is tornadoes at 7% (higher than 60% of U.S. census tracts).
B+ #518 of 701 in Michigan; lower expected damage per building than 65% of U.S. towns (21,298).
All of Baroda 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, Baroda Township has more expected damage per building than 74% of Michigan towns.
In dollars, FEMA expects about $858K a year in losses across Baroda Township: $594K to buildings, the rest to people and crops.
Does Baroda Township flood? Rarely: 2 flood claims since 2009
Every paid claim on a federal flood insurance policy in Baroda Township, from FEMA’s records: 1.6 per 1,000 homes, fewer than 68% of the 13,809 U.S. towns with a flood insurance record.
Baroda 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: Berrien County.The storms Baroda Township remembers
None of the 9 disasters declared for Berrien County shows FEMA aid or repair money reaching Baroda Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20091 flood claims paidNo declaration for the county that year
- 20181 flood claims paidNo declaration for the county that year
Berrien County has had 9 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Baroda Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Baroda Township archive →Baroda Township and its neighbors
Baroda 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 |
|---|---|---|---|
| Lake Township | Aless damage than 89% | river and rain flooding | — |
| Oronoko Township | B+less damage than 71% | river and rain flooding | 3 |
| Baroda Township | B+less damage than 65% | river and rain flooding | 2 |
| Weesaw Township | B−less damage than 53% | river and rain flooding | 3 |
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 Baroda 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 Baroda Township
Is Baroda Township at risk for natural disasters?
On FEMA’s National Risk Index, Baroda Township has lower expected damage per building than 65% of U.S. towns: B+ for hazard risk, #518 of 701 in Michigan. Most of the expected damage is river and rain flooding (86%) and tornadoes (7%). 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 Baroda Township flood?
Flood insurance has paid 2 claims in Baroda Township since 2009, $21K in all, or 1.6 per 1,000 homes, fewer than 68% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Baroda 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 Berrien County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Baroda Township?
FEMA’s Community Rating System list shows no discount for Baroda Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Baroda Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Baroda Township’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Baroda Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Baroda 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.