FEMA expects less hazard damage per building in Fabius Township than in 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fabius Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #182 of 701 in Michigan. Most of that expected damage is river and rain flooding (77%), then hail (10%). Flood insurance has paid 2 claims here since 2008.
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 Fabius 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
Hail
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 Fabius Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Fabius Township, and Fabius Township’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Next is hail at 10% (higher than 87% of U.S. census tracts).
A #182 of 701 in Michigan; lower expected damage per building than 87% of U.S. towns (21,298).
Fabius Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Fabius Township has less expected damage per building than 74% of Michigan towns.
In dollars, FEMA expects about $1.0M a year in losses across Fabius Township: $773K to buildings, the rest to people and crops.
Does Fabius Township flood? Rarely: 2 flood claims since 2008
Every paid claim on a federal flood insurance policy in Fabius Township, from FEMA’s records: 1.1 per 1,000 homes, fewer than 77% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $7K
Fabius 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: St. Joseph County.The storms Fabius Township remembers
None of the 5 disasters declared for St. Joseph County shows FEMA aid or repair money reaching Fabius Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20082 flood claims paidNo declaration for the county that year
St. Joseph County has had 5 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Fabius Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fabius Township archive →Fabius Township and its neighbors
Fabius 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 |
|---|---|---|---|
| Newberg Township | Aless damage than 95% | river and rain flooding | — |
| Fabius Township | Aless damage than 87% | river and rain flooding | 2 |
| Three Rivers | Bless damage than 59% | river and rain flooding | 58 |
| Flowerfield Township | Bless damage than 56% | river and rain flooding | — |
| Lockport Township | B−less damage than 54% | river and rain flooding | 3 |
| Constantine Township | C+more damage than 55% | 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 Fabius 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Fabius Township
Is Fabius Township at risk for natural disasters?
On FEMA’s National Risk Index, Fabius Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #182 of 701 in Michigan. Most of the expected damage is river and rain flooding (77%) and hail (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fabius Township flood?
Flood insurance has paid 2 claims in Fabius Township since 2008, $9K in all, or 1.1 per 1,000 homes, fewer than 77% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (1).
Is Fabius 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 St. Joseph County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Fabius Township?
FEMA’s Community Rating System list shows no discount for Fabius Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Fabius Township?
By flood claims, Hurricane Ike: 1 paid, $7K.
Is Fabius Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Fabius Township’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fabius Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fabius 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.