Less hazard damage per building is expected in Ida Township than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Ida Township gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns, #488 of 701 in Michigan. Most of that expected damage is river and rain flooding (72%), then tornadoes (14%). Flood insurance has paid 2 claims here since 1997.
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 Ida 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
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 Ida Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Ida Township, and Ida Township’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 8% of U.S. census tracts.
B+ #488 of 701 in Michigan; lower expected damage per building than 67% of U.S. towns (21,298).
All of Ida 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, Ida Township has more expected damage per building than 70% of Michigan towns.
In dollars, FEMA expects about $1.4M a year in losses across Ida Township: $1.0M to buildings, the rest to people and crops.
Does Ida Township flood? Rarely: 2 flood claims since 1997
Every paid claim on a federal flood insurance policy in Ida Township, from FEMA’s records: 1.1 per 1,000 homes, fewer than 75% of the 13,809 U.S. towns with a flood insurance record.
Ida 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: Monroe County.1 federal disaster brought FEMA money to Ida Township
Disasters that paid out in Ida Township itself (aid to households or repair grants to Ida Township), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding11 households applied for aid$25K aid approved
Monroe County has had 7 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.
Old photos of Ida Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ida Township archive →Ida Township and its neighbors
Ida Township is 2nd 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 |
|---|---|---|---|
| Bedford Township | B+less damage than 74% | river and rain flooding | 12 |
| Ida Township | B+less damage than 67% | river and rain flooding | 2 |
| Summerfield Township | Bless damage than 58% | river and rain flooding | 1 |
| La Salle Township | Bless damage than 56% | river and rain flooding | 224 |
| Dundee Township | C+more damage than 58% | river and rain flooding | 1 |
| Raisinville Township | Cmore damage than 66% | river and rain flooding | 8 |
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 Ida 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.
- 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 Ida Township
Is Ida Township at risk for natural disasters?
On FEMA’s National Risk Index, Ida Township has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk, #488 of 701 in Michigan. Most of the expected damage is river and rain flooding (72%) and tornadoes (14%). 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.
Does Ida Township flood?
Flood insurance has paid 2 claims in Ida Township since 1997, $19K in all, or 1.1 per 1,000 homes, fewer than 75% of U.S. towns with a flood insurance record.
Is Ida 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 Monroe County, 19% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.
How much is flood insurance in Ida Township?
FEMA’s Community Rating System list shows no discount for Ida 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 Ida Township?
By FEMA money that reached Ida Township, Severe Storms, Tornadoes, and Flooding (2023): 11 households applied for aid, $25K approved.
Is Ida Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Ida Township’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ida Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ida 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.