FEMA puts Deep River Township’s expected hazard damage per building below that of 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Deep River Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 16 claims here since 1990.
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 Deep River 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 Deep River Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Deep River Township, and Deep River Township’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 9% of U.S. census tracts.
B+ lower expected damage per building than 68% of U.S. towns (21,298).
Deep River Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $787K a year in losses across Deep River Township: $556K to buildings, the rest to people and crops.
Does Deep River Township flood? Sometimes: 16 flood claims since 1990
Every paid claim on a federal flood insurance policy in Deep River Township, from FEMA’s records: 15.0 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
Deep River 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: Arenac County.The storms Deep River Township remembers
None of the 8 disasters declared for Arenac County shows FEMA aid or repair money reaching Deep River Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20207 flood claims paidThe year of Severe Storms and Flooding, declared for Arenac County
- 19903 flood claims paidNo declaration for the county that year
- 20183 flood claims paidNo declaration for the county that year
Arenac County has had 8 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 Deep River Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Deep River Township archive →Deep River Township and its neighbors
Deep River 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 |
|---|---|---|---|
| Clayton Township | A−less damage than 78% | river and rain flooding | — |
| Deep River Township | B+less damage than 68% | river and rain flooding | 16 |
| Adams Township | — | 436 residents; we grade 1,000+ | |
| Lincoln Township | — | 836 residents; we grade 1,000+ | |
| Arenac Township | — | 891 residents; we grade 1,000+ | |
| Mason Township | — | 930 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 Deep River 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 Deep River Township
Is Deep River Township at risk for natural disasters?
On FEMA’s National Risk Index, Deep River Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Deep River Township flood?
Flood insurance has paid 16 claims in Deep River Township since 1990, $842K in all, or 15.0 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Deep River 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 Arenac County, 6% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Deep River Township?
FEMA’s Community Rating System list shows no discount for Deep River Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Deep River Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Deep River Township’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Deep River Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Deep River 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.