On FEMA’s figures, Inverness Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Inverness Township gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (98%). Flood insurance has paid 1 claim here since 2026.
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 Inverness 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
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 Inverness Township’s grade
River and rain flooding is 98% of the building damage FEMA expects in Inverness Township, and Inverness Township’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts.
B lower expected damage per building than 57% of U.S. towns (21,298).
Inverness Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.3M a year in losses across Inverness Township: $1.1M to buildings, the rest to people and crops.
Does Inverness Township flood? Rarely: 1 flood claim since 2026
Every paid claim on a federal flood insurance policy in Inverness Township, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-04-Flooding1 claim · $13K
Inverness 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: Cheboygan County.The storms Inverness Township remembers
None of the 5 disasters declared for Cheboygan County shows FEMA aid or repair money reaching Inverness Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20261 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Cheboygan County
Cheboygan County has had 5 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Inverness Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Inverness Township archive →Inverness Township and its neighbors
Inverness Township is 3rd 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 |
|---|---|---|---|
| Beaugrand Township | A−less damage than 79% | river and rain flooding | — |
| Cheboygan | B+less damage than 66% | river and rain flooding | — |
| Inverness Township | Bless damage than 57% | river and rain flooding | 1 |
| Benton Township | C+more damage than 58% | river and rain flooding | 2 |
| Mullett Township | Cmore damage than 73% | river and rain flooding | 2 |
| Munro Township | — | 625 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 Inverness 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.
- 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 Inverness Township
Is Inverness Township at risk for natural disasters?
On FEMA’s National Risk Index, Inverness Township has lower expected damage per building than 57% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (98%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Inverness Township flood?
Flood insurance has paid 1 claim in Inverness Township since 2026, $13K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. The most claims came from 2026-04-Flooding (1).
Is Inverness 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 Cheboygan County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Inverness Township?
FEMA’s Community Rating System list shows no discount for Inverness 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 Inverness Township?
By flood claims, 2026-04-Flooding: 1 paid, $13K.
Is Inverness Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (98%), and Inverness Township’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Inverness Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Inverness 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.