Hessel School · Photo: postcard · Public domainFEMA expects less hazard damage per building in Clark Township than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, Clark Township gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (95%). 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 Clark 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 Clark Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Clark Township, and Clark Township’s rate of river and rain flooding damage is lower than 85% of U.S. census tracts.
A+ among the lowest expected damage per building of U.S. towns (21,298).
Clark Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $601K a year in losses across Clark Township: $488K to buildings, the rest to people and crops.
Does Clark Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Clark Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Clark 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: Mackinac County.The storms Clark Township remembers
None of the 4 disasters declared for Mackinac County shows FEMA aid or repair money reaching Clark Township itself in FEMA’s records, so these are its biggest flood-claim years.
Mackinac County has had 4 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Clark Township and its neighbors
Clark Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Clark Township | A+among the lowest damage | river and rain flooding | 0 |
| Pickford Township | A+less damage than 96% | river and rain flooding | — |
| Marquette Township | — | 677 residents; we grade 1,000+ | |
| Raber Township | — | 597 residents; we grade 1,000+ | |
| Detour Township | — | 590 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.
Get ready for what Clark 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 Clark Township
Is Clark Township at risk for natural disasters?
On FEMA’s National Risk Index, Clark Township has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (95%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Clark 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 Mackinac County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Clark Township?
FEMA’s Community Rating System list shows no discount for Clark Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Clark Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Clark Township’s rate for it is lower than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clark Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clark 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.