Less hazard damage per building is expected in Crockery Township than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Crockery Township gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns, #425 of 701 in Michigan. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 1 claim here since 2005.
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 Crockery 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
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 Crockery Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Crockery Township, and Crockery Township’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Next is tornadoes at 6% (higher than 56% of U.S. census tracts).
B+ #425 of 701 in Michigan; lower expected damage per building than 72% of U.S. towns (21,298).
All of Crockery 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, Crockery Township has more expected damage per building than 61% of Michigan towns.
In dollars, FEMA expects about $1.2M a year in losses across Crockery Township: $939K to buildings, the rest to people and crops.
Does Crockery Township flood? Rarely: 1 flood claim since 2005
Every paid claim on a federal flood insurance policy in Crockery Township, from FEMA’s records: 0.5 per 1,000 homes, fewer than 88% of the 13,809 U.S. towns with a flood insurance record.
Crockery 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: Ottawa County.The storms Crockery Township remembers
None of the 13 disasters declared for Ottawa County shows FEMA aid or repair money reaching Crockery Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20051 flood claims paidNo declaration for the county that year
Ottawa County has had 13 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 Crockery Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crockery Township archive →Crockery Township and its neighbors
Crockery Township is 2nd 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 |
|---|---|---|---|
| Fruitport Township | Aless damage than 85% | river and rain flooding | — |
| Crockery Township | B+less damage than 72% | river and rain flooding | 1 |
| Sullivan Township | B+less damage than 71% | river and rain flooding | — |
| Spring Lake Township | B+less damage than 66% | river and rain flooding | 18 |
| Robinson Township | C+more damage than 56% | river and rain flooding | 47 |
| Polkton Township | C+more damage than 64% | river and rain flooding | 2 |
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 Crockery 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.
- 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 Crockery Township
Is Crockery Township at risk for natural disasters?
On FEMA’s National Risk Index, Crockery Township has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk, #425 of 701 in Michigan. Most of the expected damage is river and rain flooding (86%) and tornadoes (6%). 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 Crockery Township flood?
Flood insurance has paid 1 claim in Crockery Township since 2005, $45K in all, or 0.5 per 1,000 homes, fewer than 88% of U.S. towns with a flood insurance record.
Is Crockery 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 Ottawa County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Crockery Township?
FEMA’s Community Rating System list shows no discount for Crockery Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Crockery Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Crockery Township’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crockery Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crockery 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.