On FEMA’s figures, Freeman Township faces less hazard damage per building than 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Freeman Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (73%), then strong wind (13%). 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 Freeman 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
Strong wind
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 Freeman Township’s grade
River and rain flooding is 73% of the building damage FEMA expects in Freeman Township, and Freeman Township’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts. Strong wind adds 13%, at a rate in the top 3% of U.S. census tracts.
A lower expected damage per building than 87% of U.S. towns (21,298).
Freeman Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $341K a year in losses across Freeman Township: $218K to buildings, the rest to people and crops.
Does Freeman Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Freeman Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Freeman 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: Clare County.The storms Freeman Township remembers
None of the 6 disasters declared for Clare County shows FEMA aid or repair money reaching Freeman Township itself in FEMA’s records, so these are its biggest flood-claim years.
Clare County has had 6 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.
Freeman Township and its neighbors
Freeman Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Freeman Township | Aless damage than 87% | river and rain flooding | 0 |
| Garfield Township | Aless damage than 86% | river and rain flooding | 32 |
| Lincoln Township | Aless damage than 85% | river and rain flooding | — |
| Sylvan Township | Bless damage than 64% | river and rain flooding | 18 |
| Redding Township | — | 409 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 Freeman 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Freeman Township
Is Freeman Township at risk for natural disasters?
On FEMA’s National Risk Index, Freeman Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (73%) and strong wind (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Freeman 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 Clare County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Freeman Township?
FEMA’s Community Rating System list shows no discount for Freeman Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Freeman Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Freeman Township’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Freeman Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Freeman 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.