On FEMA’s figures, Billings Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Billings Township gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (84%). 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 Billings 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
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 Billings Township’s grade
River and rain flooding is 84% of the building damage FEMA expects in Billings Township, and Billings Township’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 6% of U.S. census tracts.
B− higher expected damage per building than 53% of U.S. towns (21,298).
Billings Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Billings Township: $890K to buildings, the rest to people and crops.
Does Billings Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Billings Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Billings 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: Gladwin County.1 federal disaster brought FEMA money to Billings Township
Disasters that paid out in Billings Township itself (aid to households or repair grants to Billings Township), newest first, with that year’s flood claims.
- 2020Severe Storms and Flooding$55K to Billings Township for repairs
Gladwin County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Billings Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Billings Township archive →Billings Township and its neighbors
Billings 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 |
|---|---|---|---|
| Tobacco Township | B+less damage than 67% | river and rain flooding | 2 |
| Hope Township | Bless damage than 63% | river and rain flooding | — |
| Billings Township | B−more damage than 53% | river and rain flooding | 0 |
| Hay Township | C+more damage than 59% | river and rain flooding | 26 |
| Bentley Township | — | 944 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 Billings 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.
- 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 Billings Township
Is Billings Township at risk for natural disasters?
On FEMA’s National Risk Index, Billings Township has higher expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (84%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Billings 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 Gladwin 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 Billings Township?
FEMA’s Community Rating System list shows no discount for Billings Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Billings Township?
By FEMA money that reached Billings Township, Severe Storms and Flooding (2020): $55K to Billings Township for repairs.
Is Billings Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Billings Township’s rate for it is higher than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Billings Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Billings 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.