For strong wind, Danby Township’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Danby Township gets a C+ for hazard risk: higher expected damage per building than 65% of U.S. towns, #668 of 701 in Michigan. Most of that expected damage is river and rain flooding (76%), then tornadoes (11%). Flood insurance has paid 3 claims here since 2004.
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 Danby 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 Danby Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Danby Township, and Danby Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 2% of U.S. census tracts.
C+ #668 of 701 in Michigan; higher expected damage per building than 65% of U.S. towns (21,298).
All of Danby 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, Danby Township has more expected damage per building than 95% of Michigan towns.
In dollars, FEMA expects about $1.1M a year in losses across Danby Township: $908K to buildings, the rest to people and crops.
Does Danby Township flood? Rarely: 3 flood claims since 2004
Every paid claim on a federal flood insurance policy in Danby Township, from FEMA’s records: 2.5 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.
Danby 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: Ionia County.The storms Danby Township remembers
None of the 13 disasters declared for Ionia County shows FEMA aid or repair money reaching Danby Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20041 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Ionia County
- 20051 flood claims paidNo declaration for the county that year
- 20191 flood claims paidNo declaration for the county that year
Ionia County has had 13 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 Danby Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Danby Township archive →Danby Township and its neighbors
Danby Township is 5th 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 |
|---|---|---|---|
| Sebewa Township | A−less damage than 77% | river and rain flooding | — |
| Roxand Township | A−less damage than 76% | river and rain flooding | 1 |
| Eagle Township | Bless damage than 61% | river and rain flooding | — |
| Portland | C+more damage than 58% | river and rain flooding | 7 |
| Danby Township | C+more damage than 65% | river and rain flooding | 3 |
| Portland 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 Danby 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 Danby Township
Is Danby Township at risk for natural disasters?
On FEMA’s National Risk Index, Danby Township has higher expected damage per building than 65% of U.S. towns: C+ for hazard risk, #668 of 701 in Michigan. Most of the expected damage is river and rain flooding (76%) and tornadoes (11%). 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 Danby Township flood?
Flood insurance has paid 3 claims in Danby Township since 2004, $8K in all, or 2.5 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record.
Is Danby 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 Ionia County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Danby Township?
FEMA’s Community Rating System list shows no discount for Danby Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Danby Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Danby Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Danby Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Danby 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.