Less hazard damage per building is expected in Grant Township than in 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Grant Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #189 of 701 in Michigan. Most of that expected damage is river and rain flooding (74%), then strong wind (19%). 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 Grant 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
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 Grant Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Grant Township, and Grant Township’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Strong wind adds 19%, at a rate in the top 2% of U.S. census tracts.
A #189 of 701 in Michigan; lower expected damage per building than 87% of U.S. towns (21,298).
All of Grant Township’s residents live in one census tract; the figures are that tract’s.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Grant Township has less expected damage per building than 73% of Michigan towns.
In dollars, FEMA expects about $927K a year in losses across Grant Township: $593K to buildings, the rest to people and crops.
Does Grant Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Grant Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Grant 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: Oceana County.The storms Grant Township remembers
None of the 10 disasters declared for Oceana County shows FEMA aid or repair money reaching Grant Township itself in FEMA’s records, so these are its biggest flood-claim years.
Oceana County has had 10 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.
Grant Township and its neighbors
Grant Township 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 |
|---|---|---|---|
| Shelby Township | Aless damage than 87% | river and rain flooding | 1 |
| Grant Township | Aless damage than 87% | river and rain flooding | 0 |
| Montague Township | Aless damage than 86% | river and rain flooding | 11 |
| Otto Township | — | 864 residents; we grade 1,000+ | |
| Claybanks Township | — | 831 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 Grant 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.
- 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 Grant Township
Is Grant Township at risk for natural disasters?
On FEMA’s National Risk Index, Grant Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #189 of 701 in Michigan. Most of the expected damage is river and rain flooding (74%) and strong wind (19%). 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 Grant 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 Oceana County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Grant Township?
FEMA’s Community Rating System list shows no discount for Grant Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Grant Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Grant Township’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Grant Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grant 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.