On FEMA’s figures, Benona Township faces less hazard damage per building than 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Benona Township gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (80%), then strong wind (16%). 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 Benona 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
Strong wind
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 Benona Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Benona Township, and Benona Township’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Strong wind adds 16%, at a rate in the top 2% of U.S. census tracts.
B+ lower expected damage per building than 72% of U.S. towns (21,298).
All of Benona Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $610K a year in losses across Benona Township: $444K to buildings, the rest to people and crops.
Does Benona Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Benona Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Benona 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: Oceana County.The storms Benona Township remembers
None of the 10 disasters declared for Oceana County shows FEMA aid or repair money reaching Benona Township itself in FEMA’s records, so these are its biggest flood-claim years.
Oceana County has had 10 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.
Benona Township and its neighbors
Benona Township is 3rd of the 3 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 |
|---|---|---|---|
| Golden Township | Aless damage than 91% | river and rain flooding | 4 |
| Shelby Township | Aless damage than 87% | river and rain flooding | 1 |
| Benona Township | B+less damage than 72% | river and rain flooding | 0 |
| Claybanks Township | — | 831 residents; we grade 1,000+ | |
| Hart Township | — | not graded yet | |
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 Benona 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Benona Township
Is Benona Township at risk for natural disasters?
On FEMA’s National Risk Index, Benona Township has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (80%) and strong wind (16%). 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.
Is Benona 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 Oceana County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Benona Township?
FEMA’s Community Rating System list shows no discount for Benona Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Benona Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Benona Township’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Benona Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Benona 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.