FEMA expects more hazard damage per building in Carrollton Township than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Carrollton Township gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #696 of 701 in Michigan. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 28 claims here since 1981.
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 Carrollton 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
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 Carrollton Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Carrollton Township, and Carrollton Township’s rate of river and rain flooding damage is in the top 9% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 5% of U.S. census tracts.
C− #696 of 701 in Michigan; higher expected damage per building than 84% of U.S. towns (21,298).
All of Carrollton Township’s residents live in one census tract; the figures are that tract’s.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Carrollton Township has more expected damage per building than 99% of Michigan towns.
In dollars, FEMA expects about $2.3M a year in losses across Carrollton Township: $1.7M to buildings, the rest to people and crops.
Does Carrollton Township flood? Sometimes: 28 flood claims since 1981
Every paid claim on a federal flood insurance policy in Carrollton Township, from FEMA’s records: 10.8 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.
Carrollton 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.1 federal disaster brought FEMA money to Carrollton Township
Disasters that paid out in Carrollton Township itself (aid to households or repair grants to Carrollton Township), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding12 households applied for aid$70K aid approved1 flood claim paid that year
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.
Old photos of Carrollton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Carrollton Township archive →Carrollton Township and its neighbors
Carrollton 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 |
|---|---|---|---|
| Saginaw | C+more damage than 64% | river and rain flooding | 94 |
| Zilwaukee | Cmore damage than 66% | river and rain flooding | 7 |
| Carrollton Township | C−more damage than 84% | river and rain flooding | 28 |
| Saginaw 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 Carrollton 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.
- 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 Carrollton Township
Is Carrollton Township at risk for natural disasters?
On FEMA’s National Risk Index, Carrollton Township has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #696 of 701 in Michigan. Most of the expected damage is river and rain flooding (90%). 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 Carrollton Township flood?
Flood insurance has paid 28 claims in Carrollton Township since 1981, $106K in all, or 10.8 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record. 3 properties have flooded more than once.
Is Carrollton 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 Carrollton Township?
FEMA’s Community Rating System list shows no discount for Carrollton 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 Carrollton Township?
By FEMA money that reached Carrollton Township, Severe Storms, Tornadoes, and Flooding (2026): 12 households applied for aid, $70K approved.
Is Carrollton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Carrollton Township’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Carrollton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Carrollton 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.