Photo: Dwight Burdette · CC BY 3.0FEMA expects about as much hazard damage per building in Henrietta Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Henrietta Township gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #626 of 701 in Michigan. Most of that expected damage is river and rain flooding (76%), then tornadoes (14%). 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 Henrietta 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 Henrietta Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Henrietta Township, and Henrietta Township’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 8% of U.S. census tracts.
B− #626 of 701 in Michigan; higher expected damage per building than 53% of U.S. towns (21,298).
Henrietta 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, Henrietta Township has more expected damage per building than 89% of Michigan towns.
In dollars, FEMA expects about $1.2M a year in losses across Henrietta Township: $898K to buildings, the rest to people and crops.
Does Henrietta Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Henrietta Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Henrietta 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: Jackson County.The storms Henrietta Township remembers
None of the 7 disasters declared for Jackson County shows FEMA aid or repair money reaching Henrietta Township itself in FEMA’s records, so these are its biggest flood-claim years.
Jackson County has had 7 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Henrietta Township and its neighbors
Henrietta Township is 5th of the 5 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 |
|---|---|---|---|
| Leoni Township | A−less damage than 77% | river and rain flooding | — |
| Bunker Hill Township | B+less damage than 71% | river and rain flooding | — |
| Waterloo Township | Bless damage than 61% | river and rain flooding | — |
| Rives Township | Bless damage than 58% | river and rain flooding | — |
| Henrietta Township | B−more damage than 53% | river and rain flooding | 0 |
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 Henrietta 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 Henrietta Township
Is Henrietta Township at risk for natural disasters?
On FEMA’s National Risk Index, Henrietta Township has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #626 of 701 in Michigan. Most of the expected damage is river and rain flooding (76%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Henrietta 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 Jackson County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Henrietta Township?
FEMA’s Community Rating System list shows no discount for Henrietta Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Henrietta Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Henrietta Township’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Henrietta Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Henrietta 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.