On FEMA’s figures, few U.S. towns expect less hazard damage per building than Eveline Township, mostly from river and rain flooding
On FEMA’s National Risk Index, Eveline Township gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 1 claim here since 2020.
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 Eveline 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
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 Eveline Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Eveline Township, and Eveline Township’s rate of river and rain flooding damage is lower than 85% of U.S. census tracts.
A+ among the lowest expected damage per building of U.S. towns (21,298).
Eveline Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $637K a year in losses across Eveline Township: $399K to buildings, the rest to people and crops.
Does Eveline Township flood? Rarely: 1 flood claim since 2020
Every paid claim on a federal flood insurance policy in Eveline Township, from FEMA’s records: 0.7 per 1,000 homes, fewer than 84% of the 13,809 U.S. towns with a flood insurance record.
Eveline 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: Charlevoix County.The storms Eveline Township remembers
None of the 5 disasters declared for Charlevoix County shows FEMA aid or repair money reaching Eveline Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20201 flood claims paidNo declaration for the county that year
Charlevoix County has had 5 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 Eveline Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eveline Township archive →Eveline Township and its neighbors
Eveline Township is 5th of the 7 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 |
|---|---|---|---|
| Marion Township | A+among the lowest damage | river and rain flooding | — |
| Hayes Township | A+among the lowest damage | river and rain flooding | 2 |
| Charlevoix Township | A+among the lowest damage | river and rain flooding | 1 |
| Boyne City | A+among the lowest damage | river and rain flooding | — |
| Eveline Township | A+among the lowest damage | river and rain flooding | 1 |
| South Arm Township | A+among the lowest damage | river and rain flooding | 3 |
| Wilson Township | A+less damage than 97% | river and rain flooding | — |
| Evangeline Township | — | 696 residents; we grade 1,000+ | |
| Advance | — | 377 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 Eveline 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.
- 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 Eveline Township
Is Eveline Township at risk for natural disasters?
On FEMA’s National Risk Index, Eveline Township has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Eveline Township flood?
Flood insurance has paid 1 claim in Eveline Township since 2020, $81K in all, or 0.7 per 1,000 homes, fewer than 84% of U.S. towns with a flood insurance record.
Is Eveline 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 Charlevoix County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Eveline Township?
FEMA’s Community Rating System list shows no discount for Eveline Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Eveline Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Eveline Township’s rate for it is lower than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eveline Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eveline 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.