Photo: Andrew Jameson · CC BY-SA 3.0FEMA expects less hazard damage per building in Iron River Township than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Iron River Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then hail (18%). 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 Iron River 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
Hail
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 Iron River Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Iron River Township, and Iron River Township’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Hail adds 18%, at a rate in the top 7% of U.S. census tracts.
A lower expected damage per building than 86% of U.S. towns (21,298).
Iron River Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.2M a year in losses across Iron River Township: $278K to buildings, the rest to people and crops.
Does Iron River Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Iron River Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Iron River 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: Iron County.The storms Iron River Township remembers
None of the 4 disasters declared for Iron County shows FEMA aid or repair money reaching Iron River Township itself in FEMA’s records, so these are its biggest flood-claim years.
Iron County has had 4 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.
Iron River Township and its neighbors
Iron River Township is 2nd of the 3 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 |
|---|---|---|---|
| Iron River | Aless damage than 91% | river and rain flooding | — |
| Iron River Township | Aless damage than 86% | river and rain flooding | 0 |
| Stambaugh Township | A−less damage than 82% | river and rain flooding | — |
| Bates Township | — | 927 residents; we grade 1,000+ | |
| Duncan Township | — | 203 residents; we grade 1,000+ | |
| Interior Township | — | 226 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 Iron River 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Iron River Township
Is Iron River Township at risk for natural disasters?
On FEMA’s National Risk Index, Iron River Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (77%) and hail (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Iron River 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 Iron County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Iron River Township?
FEMA’s Community Rating System list shows no discount for Iron River Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Iron River Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Iron River Township’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Iron River Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Iron River 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.