More hazard damage per building is expected in Hersey Township than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hersey Township gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 1 claim here since 2014.
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 Hersey 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 Hersey Township’s grade
River and rain flooding is 83% of the building damage FEMA expects in Hersey Township, and Hersey Township’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Strong wind adds 10%, at a rate in the top 2% of U.S. census tracts.
C higher expected damage per building than 66% of U.S. towns (21,298).
Hersey Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $700K a year in losses across Hersey Township: $549K to buildings, the rest to people and crops.
Does Hersey Township flood? Rarely: 1 flood claim since 2014
Every paid claim on a federal flood insurance policy in Hersey Township, from FEMA’s records: 0.9 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.
Hersey 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: Osceola County.The storms Hersey Township remembers
None of the 11 disasters declared for Osceola County shows FEMA aid or repair money reaching Hersey Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20141 flood claims paidNo declaration for the county that year
Osceola County has had 11 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Hersey Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hersey Township archive →Hersey Township and its neighbors
Hersey Township is 3rd of the 4 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 |
|---|---|---|---|
| Richmond Township | Aless damage than 87% | river and rain flooding | — |
| Evart Township | C+more damage than 62% | river and rain flooding | 16 |
| Hersey Township | Cmore damage than 66% | river and rain flooding | 1 |
| Green Township | Dmore damage than 87% | river and rain flooding | 3 |
| Cedar Township | — | 561 residents; we grade 1,000+ | |
| Hersey | — | 360 residents; we grade 1,000+ | |
| Grant Township | — | 746 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 Hersey 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 Hersey Township
Is Hersey Township at risk for natural disasters?
On FEMA’s National Risk Index, Hersey Township has higher expected damage per building than 66% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (83%) and strong wind (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hersey Township flood?
Flood insurance has paid 1 claim in Hersey Township since 2014, $44K in all, or 0.9 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record.
Is Hersey 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 Osceola County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Hersey Township?
FEMA’s Community Rating System list shows no discount for Hersey Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Hersey Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Hersey Township’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hersey Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hersey 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.