FEMA expects less hazard damage per building in Casco Township than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Casco Township gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns, #490 of 701 in Michigan. Most of that expected damage is river and rain flooding (80%). 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 Casco 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 Casco Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Casco Township, and Casco Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 7% of U.S. census tracts.
B+ #490 of 701 in Michigan; lower expected damage per building than 67% of U.S. towns (21,298).
Casco 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, Casco Township has more expected damage per building than 70% of Michigan towns.
In dollars, FEMA expects about $1.3M a year in losses across Casco Township: $933K to buildings, the rest to people and crops.
Does Casco Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Casco Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Casco 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: St. Clair County.1 federal disaster brought FEMA money to Casco Township
Disasters that paid out in Casco Township itself (aid to households or repair grants to Casco Township), newest first, with that year’s flood claims.
- 2004Severe Storms, Tornadoes, and Flooding1 households applied for aid$7K aid approved
St. Clair County has had 8 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 Casco Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Casco Township archive →Casco Township and its neighbors
Casco Township is 4th of the 6 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 |
|---|---|---|---|
| Richmond | Aless damage than 86% | river and rain flooding | — |
| Lenox Township | A−less damage than 80% | river and rain flooding | 1 |
| Ira Township | B+less damage than 72% | river and rain flooding | 85 |
| Casco Township | B+less damage than 67% | river and rain flooding | 0 |
| Columbus Township | B+less damage than 66% | river and rain flooding | — |
| China Township | B−less damage than 51% | river and rain flooding | 11 |
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 Casco 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 Casco Township
Is Casco Township at risk for natural disasters?
On FEMA’s National Risk Index, Casco Township has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk, #490 of 701 in Michigan. Most of the expected damage is river and rain flooding (80%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Casco 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 St. Clair County, 18% of homes in mapped flood zones carry federal flood insurance, and 2.0% of all homes do.
How much is flood insurance in Casco Township?
FEMA’s Community Rating System list shows no discount for Casco 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 Casco Township?
By FEMA money that reached Casco Township, Severe Storms, Tornadoes, and Flooding (2004): 1 households applied for aid, $7K approved.
Is Casco Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Casco Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Casco Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Casco 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.