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Ice Cream Parlor, Galien, MichiganPhoto: Kevin Dooley from Chander, AZ, USA · CC BY 2.0
A−Hazard risk
Natural hazards in Galien Township · FEMA

FEMA expects less hazard damage per building in Galien Township than in 83% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Galien Township gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (82%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 82%Tornadoes 8%Hail 6%

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

less than 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Michigan · lower than 83% of U.S. towns
Main hazard
River and rain flooding
82% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 9 declared for Berrien County
By hazard

What Galien 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

82%of expected building damage
Below average · lower than 61% of U.S. census tracts
Recorded about once every 1 years in the area

Tornadoes

8%of expected building damage
About average · higher than 60% of U.S. census tracts

Hail

6%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Earthquakes Strong wind Lightning Wildfire Ice storms Hurricanes Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 18% of Galien Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Galien Township’s grade

River and rain flooding is 82% of the building damage FEMA expects in Galien Township, and Galien Township’s rate of river and rain flooding damage is lower than 61% of U.S. census tracts. Next is tornadoes at 8% (higher than 60% of U.S. census tracts).

Where Galien Township sits
Galien Township
Least damageMiddleMost damage

A− lower expected damage per building than 83% of U.S. towns (21,298).

All of Galien Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding82%Tornadoes8%Hail6%Everything else4%

In dollars, FEMA expects about $420K a year in losses across Galien Township: $272K to buildings, the rest to people and crops.

Shared tract.All of Galien Township’s 1,412 residents (2020 census) live in one census tract, which it shares with Galien village (513 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Galien Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Galien Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Galien 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: Berrien County.
Disasters

The storms Galien Township remembers

None of the 9 disasters declared for Berrien County shows FEMA aid or repair money reaching Galien Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Galien TownshipBerrien County only

Berrien County has had 9 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.

Next door

Galien Township and its neighbors

Galien Township is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Weesaw Township: hazard risk B−Bertrand Township: hazard risk AOlive Township: hazard risk A+Weesaw TownshipBertrand TownshipOlive TownshipGalien Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Olive TownshipA+less damage than 98%river and rain flooding4
Bertrand TownshipAless damage than 95%river and rain flooding3
Galien TownshipA−less damage than 83%river and rain flooding0
Weesaw TownshipB−less damage than 53%river and rain flooding3

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.

Be ready

Get ready for what Galien 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Galien Township

Is Galien Township at risk for natural disasters?

On FEMA’s National Risk Index, Galien Township has lower expected damage per building than 83% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (8%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Galien 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 Berrien County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Galien Township?

FEMA’s Community Rating System list shows no discount for Galien Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Galien Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (82%), and Galien Township’s rate for it is lower than 61% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Galien Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Galien 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.