On FEMA’s figures, Denver Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Denver Township gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 2 claims here since 2017.
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 Denver 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 Denver Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Denver Township, and Denver Township’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 6% of U.S. census tracts.
C+ higher expected damage per building than 56% of U.S. towns (21,298).
All of Denver Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $404K a year in losses across Denver Township: $297K to buildings, the rest to people and crops.
Does Denver Township flood? Rarely: 2 flood claims since 2017
Every paid claim on a federal flood insurance policy in Denver Township, from FEMA’s records: 3.2 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.
Denver 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: Isabella County.The storms Denver Township remembers
None of the 8 disasters declared for Isabella County shows FEMA aid or repair money reaching Denver Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20172 flood claims paidThe year of Severe Storms and Flooding, declared for Isabella County
Isabella 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 Denver Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Denver Township archive →Denver Township and its neighbors
Denver 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 |
|---|---|---|---|
| Geneva Township | A−less damage than 78% | river and rain flooding | — |
| Isabella Township | B+less damage than 71% | river and rain flooding | 3 |
| Chippewa Township | B−less damage than 51% | river and rain flooding | — |
| Wise Township | C+more damage than 56% | river and rain flooding | — |
| Denver Township | C+more damage than 56% | 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 Denver 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 Denver Township
Is Denver Township at risk for natural disasters?
On FEMA’s National Risk Index, Denver Township has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (8%). 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 Denver Township flood?
Flood insurance has paid 2 claims in Denver Township since 2017, $14K in all, or 3.2 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record.
Is Denver 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 Isabella County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Denver Township?
FEMA’s Community Rating System list shows no discount for Denver Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Denver Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Denver Township’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Denver Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Denver 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.