For hail, Churchill Township’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Churchill Township gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then hail (22%). Flood insurance has paid 2 claims here since 1979.
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 Churchill 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
Hail
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 Churchill Township’s grade
River and rain flooding is 70% of the building damage FEMA expects in Churchill Township, and Churchill Township’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Hail adds 22%, at a rate in the top 4% of U.S. census tracts.
B lower expected damage per building than 64% of U.S. towns (21,298).
All of Churchill Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $696K a year in losses across Churchill Township: $513K to buildings, the rest to people and crops.
Does Churchill Township flood? Rarely: 2 flood claims since 1979
Every paid claim on a federal flood insurance policy in Churchill Township, from FEMA’s records: 2.0 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.
The storms Churchill Township remembers
None of the 4 disasters declared for Ogemaw County shows FEMA aid or repair money reaching Churchill Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19791 flood claims paidNo declaration for the county that year
- 19801 flood claims paidNo declaration for the county that year
Ogemaw County has had 4 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Churchill Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Churchill Township archive →Churchill Township and its neighbors
Churchill Township is 2nd of the 2 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 |
|---|---|---|---|
| Mills Township | B+less damage than 67% | river and rain flooding | — |
| Churchill Township | Bless damage than 64% | river and rain flooding | 2 |
| Cumming Township | — | 596 residents; we grade 1,000+ | |
| Logan Township | — | 575 residents; we grade 1,000+ | |
| West Branch 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 Churchill 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Churchill Township
Is Churchill Township at risk for natural disasters?
On FEMA’s National Risk Index, Churchill Township has lower expected damage per building than 64% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (70%) and hail (22%). 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 Churchill Township flood?
Flood insurance has paid 2 claims in Churchill Township since 1979, $10K in all, or 2.0 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record.
Is Churchill 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.
How much is flood insurance in Churchill Township?
FEMA’s Community Rating System list shows no discount for Churchill Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Churchill Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Churchill Township’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Churchill Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Churchill 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.