On FEMA’s figures, Casco Township faces less hazard damage per building than 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%). Flood insurance has paid 2 claims here since 1985.
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 5%, at a rate in the top 9% of U.S. census tracts.
B+ #490 of 701 in Michigan; lower expected damage per building than 67% of U.S. towns (21,298).
All of Casco 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, Casco Township has more expected damage per building than 70% of Michigan towns.
In dollars, FEMA expects about $1.1M a year in losses across Casco Township: $936K to buildings, the rest to people and crops.
Does Casco Township flood? Rarely: 2 flood claims since 1985
Every paid claim on a federal flood insurance policy in Casco Township, from FEMA’s records: 1.0 per 1,000 homes, fewer than 77% of the 13,809 U.S. towns with a flood insurance record.
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: Allegan County.The storms Casco Township remembers
None of the 14 disasters declared for Allegan County shows FEMA aid or repair money reaching Casco Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19851 flood claims paidNo declaration for the county that year
- 19881 flood claims paidNo declaration for the county that year
Allegan County has had 14 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 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 3rd of the 5 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 |
|---|---|---|---|
| Ganges Township | B+less damage than 73% | river and rain flooding | 4 |
| South Haven | B+less damage than 70% | river and rain flooding | 8 |
| Casco Township | B+less damage than 67% | river and rain flooding | 2 |
| Lee Township | Bless damage than 63% | river and rain flooding | 5 |
| Geneva Township | Cmore damage than 66% | river and rain flooding | — |
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%). 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 Casco Township flood?
Flood insurance has paid 2 claims in Casco Township since 1985, $20K in all, or 1.0 per 1,000 homes, fewer than 77% of U.S. towns with a flood insurance record.
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 Allegan County, 0.2% of all homes carry federal flood insurance.
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.
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.