Less hazard damage per building is expected in Fillmore Township than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fillmore Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns, #196 of 701 in Michigan. Most of that expected damage is river and rain flooding (79%). 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 Fillmore 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 Fillmore Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Fillmore Township, and Fillmore Township’s rate of river and rain flooding damage is lower than 67% of U.S. census tracts. Next is tornadoes at 9% (higher than 59% of U.S. census tracts).
A #196 of 701 in Michigan; lower expected damage per building than 86% of U.S. towns (21,298).
Fillmore Township’s residents live in 3 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, Fillmore Township has less expected damage per building than 72% of Michigan towns.
In dollars, FEMA expects about $867K a year in losses across Fillmore Township: $758K to buildings, the rest to people and crops.
Does Fillmore Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Fillmore Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Fillmore 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: Allegan County.The storms Fillmore Township remembers
None of the 14 disasters declared for Allegan County shows FEMA aid or repair money reaching Fillmore Township itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Fillmore Township and its neighbors
Fillmore Township is 2nd 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 |
|---|---|---|---|
| Holland | Aless damage than 90% | river and rain flooding | 18 |
| Fillmore Township | Aless damage than 86% | river and rain flooding | 0 |
| Manlius Township | A−less damage than 75% | river and rain flooding | — |
| Overisel Township | B+less damage than 70% | river and rain flooding | — |
| Laketown Township | B+less damage than 67% | river and rain flooding | 2 |
| Holland Township | — | not graded yet | |
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 Fillmore 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 Fillmore Township
Is Fillmore Township at risk for natural disasters?
On FEMA’s National Risk Index, Fillmore Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk, #196 of 701 in Michigan. Most of the expected damage is river and rain flooding (79%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Fillmore 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 Allegan County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Fillmore Township?
FEMA’s Community Rating System list shows no discount for Fillmore Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Fillmore Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Fillmore Township’s rate for it is lower than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fillmore Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fillmore 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.