William S. Delano House · Photo: rossograph · CC BY-SA 4.0Less hazard damage per building is expected in Cooper Township than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cooper Township gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns, #342 of 701 in Michigan. Most of that expected damage is river and rain flooding (67%), then tornadoes (15%). Flood insurance has paid 1 claim here since 1978.
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 Cooper 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
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 Cooper Township’s grade
River and rain flooding is 67% of the building damage FEMA expects in Cooper Township, and Cooper Township’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Hail adds 12%, at a rate in the top 10% of U.S. census tracts.
A− #342 of 701 in Michigan; lower expected damage per building than 77% of U.S. towns (21,298).
Cooper 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, Cooper Township has less expected damage per building than 51% of Michigan towns.
In dollars, FEMA expects about $2.1M a year in losses across Cooper Township: $1.7M to buildings, the rest to people and crops.
Does Cooper Township flood? Rarely: 1 flood claim since 1978
Every paid claim on a federal flood insurance policy in Cooper Township, from FEMA’s records: 0.2 per 1,000 homes, fewer than 96% of the 13,809 U.S. towns with a flood insurance record.
Cooper 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: Kalamazoo County.The storms Cooper Township remembers
None of the 8 disasters declared for Kalamazoo County shows FEMA aid or repair money reaching Cooper Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19781 flood claims paidThe year of Blizzards and Snowstorms, declared for Kalamazoo County
Kalamazoo County has had 8 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 Cooper Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cooper Township archive →Cooper Township and its neighbors
Cooper 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 |
|---|---|---|---|
| Kalamazoo Township | Aless damage than 93% | river and rain flooding | 24 |
| Richland Township | Aless damage than 88% | river and rain flooding | — |
| Cooper Township | A−less damage than 77% | river and rain flooding | 1 |
| Alamo Township | B+less damage than 70% | river and rain flooding | — |
| Gun Plain Township | Bless damage than 57% | river and rain flooding | 1 |
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 Cooper 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.
- 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 Cooper Township
Is Cooper Township at risk for natural disasters?
On FEMA’s National Risk Index, Cooper Township has lower expected damage per building than 77% of U.S. towns: A− for hazard risk, #342 of 701 in Michigan. Most of the expected damage is river and rain flooding (67%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Cooper Township flood?
Flood insurance has paid 1 claim in Cooper Township since 1978, $3K in all, or 0.2 per 1,000 homes, fewer than 96% of U.S. towns with a flood insurance record.
Is Cooper 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 Kalamazoo County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Cooper Township?
FEMA’s Community Rating System list shows no discount for Cooper Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Cooper Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Cooper Township’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cooper Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cooper 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.