More hazard damage per building is expected in Hampton Township than in 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hampton Township gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns, #685 of 701 in Michigan. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 7 claims here since 1983.
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 Hampton 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
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 Hampton Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Hampton Township, and Hampton Township’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 6% of U.S. census tracts.
C #685 of 701 in Michigan; higher expected damage per building than 73% of U.S. towns (21,298).
Hampton Township’s residents live in 2 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, Hampton Township has more expected damage per building than 98% of Michigan towns.
In dollars, FEMA expects about $4.6M a year in losses across Hampton Township: $3.4M to buildings, the rest to people and crops.
Does Hampton Township flood? Rarely: 7 flood claims since 1983
Every paid claim on a federal flood insurance policy in Hampton Township, from FEMA’s records: 1.5 per 1,000 homes, fewer than 69% of the 13,809 U.S. towns with a flood insurance record.
Hampton 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: Bay County.1 federal disaster brought FEMA money to Hampton Township
Disasters that paid out in Hampton Township itself (aid to households or repair grants to Hampton Township), newest first, with that year’s flood claims.
- 2000Snow$5K to Hampton Township for repairs
Bay County has had 11 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Hampton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hampton Township archive →Hampton Township and its neighbors
Hampton Township is 6th 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 |
|---|---|---|---|
| Bangor Township | Bless damage than 57% | river and rain flooding | 144 |
| Bay City | B−less damage than 53% | river and rain flooding | 57 |
| Merritt Township | B−more damage than 51% | river and rain flooding | 6 |
| Portsmouth Township | B−more damage than 51% | river and rain flooding | 7 |
| Essexville | C+more damage than 61% | river and rain flooding | 2 |
| Hampton Township | Cmore damage than 73% | river and rain flooding | 7 |
| Wisner Township | — | 592 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 Hampton 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.
- 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 Hampton Township
Is Hampton Township at risk for natural disasters?
On FEMA’s National Risk Index, Hampton Township has higher expected damage per building than 73% of U.S. towns: C for hazard risk, #685 of 701 in Michigan. Most of the expected damage is river and rain flooding (86%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hampton Township flood?
Flood insurance has paid 7 claims in Hampton Township since 1983, $43K in all, or 1.5 per 1,000 homes, fewer than 69% of U.S. towns with a flood insurance record.
Is Hampton 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 Bay County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Hampton Township?
FEMA’s Community Rating System list shows no discount for Hampton 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 Hampton Township?
By FEMA money that reached Hampton Township, Snow (2000): $5K to Hampton Township for repairs.
Is Hampton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Hampton Township’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hampton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hampton 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.