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CHazard risk
Natural hazards in Jerome Township · FEMA

On FEMA’s figures, Jerome Township faces more hazard damage per building than 69% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Jerome Township gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns, #681 of 701 in Michigan. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 5 claims here since 2020.

River and rain flooding 89%Tornadoes 5%Strong wind 3%

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

more than 69%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#681 of 701 in Michigan
Hazard risk
C#681 of 701
in Michigan · higher than 69% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
5
paid since 2020 · $295K
Flood claims per home
3 per 1,000
fewer than 55% of U.S. towns
By hazard

What Jerome 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

89%of expected building damage
Well above average · higher than 83% of U.S. census tracts
Recorded about once every 1 years in the area

Tornadoes

5%of expected building damage
Above average · higher than 66% of U.S. census tracts
Smaller shares here
 Strong wind Hail Earthquakes Ice storms Wildfire Hurricanes Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 16% of Jerome Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Jerome Township’s grade

River and rain flooding is 89% of the building damage FEMA expects in Jerome Township, and Jerome Township’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Strong wind adds 3%, at a rate in the top 10% of U.S. census tracts.

Where Jerome Township sits
Jerome Township
Least damageMiddleMost damage

C #681 of 701 in Michigan; higher expected damage per building than 69% of U.S. towns (21,298).

All of Jerome Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding89%Tornadoes5%Strong wind3%Everything else3%

The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Jerome Township has more expected damage per building than 97% of Michigan towns.

In dollars, FEMA expects about $1.8M a year in losses across Jerome Township: $1.3M to buildings, the rest to people and crops.

Shared tract.All of Jerome Township’s 4,625 residents (2020 census) live in one census tract, which it shares with Sanford village (813 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Jerome Township flood? Rarely: 5 flood claims since 2020

Every paid claim on a federal flood insurance policy in Jerome Township, from FEMA’s records: 2.7 per 1,000 homes, fewer than 55% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2020: 5 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2020
20202026
5
paid claims since 2020
$295K
paid to owners
0
homes flooded more than once
$59K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Jerome 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: Midland County.
Disasters

The storms Jerome Township remembers

None of the 10 disasters declared for Midland County shows FEMA aid or repair money reaching Jerome Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20205 flood claims paidThe year of Severe Storms and Flooding, declared for Midland County
Disasters declared, by decade
Paid out in Jerome TownshipMidland County only

Midland County has had 10 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Jerome Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Jerome Township archive →
Next door

Jerome Township and its neighbors

Jerome Township is 4th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Geneva Township: hazard risk A−Edenville Township: hazard risk C−Lincoln Township: hazard risk B+Sanford: not gradedLee Township: hazard risk CGeneva TownshipEdenville TownshipLincoln TownshipSanfordLee TownshipJerome Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Geneva TownshipA−less damage than 78%river and rain flooding—
Lincoln TownshipB+less damage than 70%river and rain flooding1
Lee TownshipCmore damage than 68%river and rain flooding5
Jerome TownshipCmore damage than 69%river and rain flooding5
Edenville TownshipC−more damage than 80%river and rain flooding1
Sanford—716 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.

Be ready

Get ready for what Jerome 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Jerome Township

Is Jerome Township at risk for natural disasters?

On FEMA’s National Risk Index, Jerome Township has higher expected damage per building than 69% of U.S. towns: C for hazard risk, #681 of 701 in Michigan. Most of the expected damage is river and rain flooding (89%) and tornadoes (5%). 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 Jerome Township flood?

Flood insurance has paid 5 claims in Jerome Township since 2020, $295K in all, or 2.7 per 1,000 homes, fewer than 55% of U.S. towns with a flood insurance record.

Is Jerome 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 Midland County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Jerome Township?

FEMA’s Community Rating System list shows no discount for Jerome Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Jerome Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Jerome Township’s rate for it is higher than 83% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Jerome Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jerome 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.