Jefferson Avenue-Huron River and Harbin Drive-Silver Creek Canal Bridges · Photo: Andrew Jameson · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Berlin Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Berlin Township gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #623 of 701 in Michigan. Most of that expected damage is river and rain flooding (81%). Flood insurance has paid 146 claims here since 1978.
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 stands out about Berlin Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Berlin 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 Berlin Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Berlin Township, and Berlin Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 10% of U.S. census tracts.
B− #623 of 701 in Michigan; higher expected damage per building than 52% of U.S. towns (21,298).
Berlin Township’s residents live in 2 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, Berlin Township has more expected damage per building than 89% of Michigan towns.
In dollars, FEMA expects about $3.5M a year in losses across Berlin Township: $2.6M to buildings, the rest to people and crops.
Does Berlin Township flood? Yes: 146 flood claims since 1978
Every paid claim on a federal flood insurance policy in Berlin Township, from FEMA’s records: 38.3 per 1,000 homes, more than 91% of the 13,809 U.S. towns with a flood insurance record.
Berlin 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: Monroe County.The storms Berlin Township remembers
None of the 7 disasters declared for Monroe County shows FEMA aid or repair money reaching Berlin Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 198546 flood claims paidNo declaration for the county that year
- 198017 flood claims paidNo declaration for the county that year
- 199814 flood claims paidNo declaration for the county that year
Monroe County has had 7 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 Berlin Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Berlin Township archive →Berlin Township and its neighbors
Berlin Township is 6th of the 7 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 |
|---|---|---|---|
| Brownstown Township | A−less damage than 84% | river and rain flooding | 65 |
| Rockwood | A−less damage than 83% | river and rain flooding | 25 |
| Flat Rock | A−less damage than 82% | river and rain flooding | 12 |
| Ash Township | B+less damage than 69% | river and rain flooding | 3 |
| Frenchtown Township | B−less damage than 50% | river and rain flooding | 275 |
| Berlin Township | B−more damage than 52% | river and rain flooding | 146 |
| South Rockwood | C+more damage than 56% | river and rain flooding | 4 |
| Estral Beach | — | 372 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 Berlin 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 Berlin Township
Is Berlin Township at risk for natural disasters?
On FEMA’s National Risk Index, Berlin Township has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #623 of 701 in Michigan. Most of the expected damage is river and rain flooding (81%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Berlin Township flood?
Flood insurance has paid 146 claims in Berlin Township since 1978, $871K in all, or 38.3 per 1,000 homes, more than 91% of U.S. towns with a flood insurance record.
Is Berlin 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 Monroe County, 19% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.
How much is flood insurance in Berlin Township?
FEMA’s Community Rating System list shows no discount for Berlin Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Berlin Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Berlin Township’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Berlin Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Berlin 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.