FEMA puts Bedford Township’s expected hazard damage per building below that of 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bedford Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns, #477 of 701 in Michigan. Most of that expected damage is river and rain flooding (68%), then tornadoes (15%). 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 Bedford 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
Strong wind
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 Bedford Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Bedford Township, and Bedford Township’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Strong wind adds 9%, at a rate in the top 5% of U.S. census tracts.
B+ #477 of 701 in Michigan; lower expected damage per building than 68% of U.S. towns (21,298).
Bedford Township’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Bedford Township has more expected damage per building than 68% of Michigan towns.
In dollars, FEMA expects about $1.9M a year in losses across Bedford Township: $1.4M to buildings, the rest to people and crops.
Does Bedford Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bedford Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bedford 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: Calhoun County.The storms Bedford Township remembers
None of the 5 disasters declared for Calhoun County shows FEMA aid or repair money reaching Bedford Township itself in FEMA’s records, so these are its biggest flood-claim years.
Calhoun County has had 5 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Bedford Township and its neighbors
Bedford Township is 4th of the 6 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 |
|---|---|---|---|
| Springfield | Aless damage than 89% | river and rain flooding | — |
| Johnstown Township | B+less damage than 75% | river and rain flooding | 5 |
| Battle Creek | B+less damage than 73% | river and rain flooding | 13 |
| Bedford Township | B+less damage than 68% | river and rain flooding | 0 |
| Ross Township | B+less damage than 67% | river and rain flooding | 3 |
| Pennfield Township | Bless damage than 61% | river and rain flooding | 6 |
| Level Park-Oak Park | — | a Census area inside a town; graded with the town | |
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 Bedford 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Bedford Township
Is Bedford Township at risk for natural disasters?
On FEMA’s National Risk Index, Bedford Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk, #477 of 701 in Michigan. Most of the expected damage is river and rain flooding (68%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Bedford 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 Calhoun County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Bedford Township?
FEMA’s Community Rating System list shows no discount for Bedford Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bedford Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Bedford Township’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bedford Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bedford 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.