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C+Hazard risk
Natural hazards in Brant Township · FEMA

FEMA expects more hazard damage per building in Brant Township than in 63% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Brant Township gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 3 claims here since 2008.

River and rain flooding 86%Tornadoes 6%Strong wind 5%

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

more than 63%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C+
in Michigan · higher than 63% of U.S. towns
Main hazard
River and rain flooding
86% of expected building damage
Flood claims
3
paid since 2008 · $38K
Disasters paid out here
1
of 15 declared for Saginaw County
By hazard

What Brant 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

86%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

6%of expected building damage
Above average · higher than 68% of U.S. census tracts

Strong wind

5%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Hail Ice storms Earthquakes Hurricanes Winter storms Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 18% of Brant Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Brant Township’s grade

River and rain flooding is 86% of the building damage FEMA expects in Brant Township, and Brant Township’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 5% of U.S. census tracts.

Where Brant Township sits
Brant Township
Least damageMiddleMost damage

C+ higher expected damage per building than 63% of U.S. towns (21,298).

All of Brant Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding86%Tornadoes6%Strong wind5%Everything else3%

In dollars, FEMA expects about $589K a year in losses across Brant Township: $386K to buildings, the rest to people and crops.

Shared tract.All of Brant Township’s 1,842 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Brant Township flood? Rarely: 3 flood claims since 2008

Every paid claim on a federal flood insurance policy in Brant Township, from FEMA’s records: 4.1 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2008: 1 claim2009: 0 claims2010: 0 claims2011: 0 claims2012: 1 claim2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 1 claim2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims200820122021
20082026
3
paid claims since 2008
$38K
paid to owners
0
homes flooded more than once
$13K
average claim
of all homes are insured
No community discount

Brant 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: Saginaw County.
Disasters

1 federal disaster brought FEMA money to Brant Township

Disasters that paid out in Brant Township itself (aid to households or repair grants to Brant Township), newest first, with that year’s flood claims.

  1. 2004Severe Storms, Tornadoes, and Flooding2 households applied for aid$780 aid approved
Disasters declared, by decade
Paid out in Brant TownshipSaginaw County only

Saginaw County has had 15 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Brant Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Brant Township archive →
Next door

Brant Township and its neighbors

Brant Township is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

St. Charles Township: hazard risk C+Marion Township: not gradedFremont Township: hazard risk C+St. Charles: hazard risk C+Brady Township: hazard risk BSt. Charles TownshipMarion TownshipFremont TownshipSt. CharlesBrady TownshipBrant Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Brady TownshipBless damage than 59%river and rain flooding—
St. Charles TownshipC+more damage than 58%river and rain flooding15
St. CharlesC+more damage than 58%river and rain flooding17
Fremont TownshipC+more damage than 61%river and rain flooding—
Brant TownshipC+more damage than 63%river and rain flooding3
Marion Township—560 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.

Be ready

Get ready for what Brant 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Brant Township

Is Brant Township at risk for natural disasters?

On FEMA’s National Risk Index, Brant Township has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (86%) and tornadoes (6%). 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 Brant Township flood?

Flood insurance has paid 3 claims in Brant Township since 2008, $38K in all, or 4.1 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record.

Is Brant 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 Saginaw County, 1.1% of all homes carry federal flood insurance.

How much is flood insurance in Brant Township?

FEMA’s Community Rating System list shows no discount for Brant 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 Brant Township?

By FEMA money that reached Brant Township, Severe Storms, Tornadoes, and Flooding (2004): 2 households applied for aid, $780 approved.

Is Brant Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (86%), and Brant Township’s rate for it is higher than 78% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Brant Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Brant 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.