Antrim County Courthouse · Photo: Dkanaris · CC BY-SA 3.0FEMA puts Kearney Township’s expected hazard damage per building below that of 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kearney Township gets an A for hazard risk: lower expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (91%). 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 Kearney 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 Kearney Township’s grade
River and rain flooding is 91% of the building damage FEMA expects in Kearney Township, and Kearney Township’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts.
A lower expected damage per building than 89% of U.S. towns (21,298).
Kearney Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $818K a year in losses across Kearney Township: $532K to buildings, the rest to people and crops.
Does Kearney Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kearney Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kearney 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: Antrim County.The storms Kearney Township remembers
None of the 4 disasters declared for Antrim County shows FEMA aid or repair money reaching Kearney Township itself in FEMA’s records, so these are its biggest flood-claim years.
Antrim County has had 4 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.
Kearney Township and its neighbors
Kearney 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 |
|---|---|---|---|
| Echo Township | Aless damage than 95% | river and rain flooding | — |
| Custer Township | Aless damage than 94% | river and rain flooding | — |
| Kearney Township | Aless damage than 89% | river and rain flooding | 0 |
| Bellaire | A−less damage than 79% | river and rain flooding | — |
| Forest Home Township | A−less damage than 77% | river and rain flooding | — |
| Chestonia Township | — | 514 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 Kearney 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 Kearney Township
Is Kearney Township at risk for natural disasters?
On FEMA’s National Risk Index, Kearney Township has lower expected damage per building than 89% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (91%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Kearney 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 Antrim County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Kearney Township?
FEMA’s Community Rating System list shows no discount for Kearney Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Kearney Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Kearney Township’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kearney Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kearney 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.