On FEMA’s figures, Fennville faces less hazard damage per building than 76% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fennville gets an A− for hazard risk: lower expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (83%). FEMA’s files show no paid flood insurance claims here.
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 Fennville 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
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 Fennville’s grade
River and rain flooding is 83% of the building damage FEMA expects in Fennville, and Fennville’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Next is tornadoes at 7% (higher than 59% of U.S. census tracts).
A− lower expected damage per building than 76% of U.S. towns (21,298).
Fennville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $370K a year in losses across Fennville: $305K to buildings, the rest to people and crops.
Does Fennville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Fennville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Fennville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Allegan County.1 federal disaster brought FEMA money to Fennville
Disasters that paid out in Fennville itself (aid to households or repair grants to the City of Fennville), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding1 households applied for aid$300 aid approved
Allegan County has had 14 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Fennville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fennville archive →Fennville and its neighbors
Fennville is 2nd of the 3 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 |
|---|---|---|---|
| Clyde Township | A−less damage than 77% | river and rain flooding | — |
| Fennville | A−less damage than 76% | river and rain flooding | 0 |
| Manlius Township | A−less damage than 75% | river and rain flooding | — |
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 Fennville 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.
- 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 Fennville
Is Fennville at risk for natural disasters?
On FEMA’s National Risk Index, Fennville has lower expected damage per building than 76% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (83%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Fennville 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 Allegan County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Fennville?
FEMA’s Community Rating System list shows no discount for Fennville’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 Fennville?
By FEMA money that reached Fennville, Severe Storms, Tornadoes, and Flooding (2026): 1 households applied for aid, $300 approved.
Is Fennville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Fennville’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fennville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fennville’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.