FEMA expects less hazard damage per building in Fredonia Township than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fredonia Township gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (65%), then tornadoes (15%). Flood insurance has paid 3 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 Fredonia 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
Hail
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 Fredonia Township’s grade
River and rain flooding is 65% of the building damage FEMA expects in Fredonia Township, and Fredonia Township’s rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Strong wind adds 10%, at a rate in the top 4% of U.S. census tracts.
B+ lower expected damage per building than 70% of U.S. towns (21,298).
Fredonia Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $449K a year in losses across Fredonia Township: $342K to buildings, the rest to people and crops.
Does Fredonia Township flood? Rarely: 3 flood claims since 2008
Every paid claim on a federal flood insurance policy in Fredonia Township, from FEMA’s records: 3.8 per 1,000 homes, more than 53% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike2 claims · $7K
Fredonia 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: Calhoun County.The storms Fredonia Township remembers
None of the 5 disasters declared for Calhoun County shows FEMA aid or repair money reaching Fredonia Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20082 flood claims paidNo declaration for the county that year
- 20241 flood claims paidNo declaration for the county that year
Calhoun 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 Fredonia Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fredonia Township archive →Fredonia Township and its neighbors
Fredonia Township is 4th 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 |
|---|---|---|---|
| Eckford Township | Aless damage than 86% | river and rain flooding | — |
| Newton Township | A−less damage than 78% | river and rain flooding | 2 |
| Marshall | B+less damage than 74% | river and rain flooding | — |
| Fredonia Township | B+less damage than 70% | river and rain flooding | 3 |
| Tekonsha Township | B+less damage than 70% | river and rain flooding | 1 |
| Marshall Township | B+less damage than 69% | 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 Fredonia 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.
- 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.
- 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 Fredonia Township
Is Fredonia Township at risk for natural disasters?
On FEMA’s National Risk Index, Fredonia Township has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (65%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fredonia Township flood?
Flood insurance has paid 3 claims in Fredonia Township since 2008, $8K in all, or 3.8 per 1,000 homes, more than 53% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (2).
Is Fredonia 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 Calhoun 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 Fredonia Township?
FEMA’s Community Rating System list shows no discount for Fredonia 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 Fredonia Township?
By flood claims, Hurricane Ike: 2 paid, $7K.
Is Fredonia Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Fredonia Township’s rate for it is lower than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fredonia Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fredonia 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.