On FEMA’s figures, few U.S. towns expect less hazard damage per building than Kinross Township, mostly from river and rain flooding
On FEMA’s National Risk Index, Kinross Township gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #1 of 701 in Michigan. Most of that expected damage is river and rain flooding (93%). 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 Kinross 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 Kinross Township’s grade
River and rain flooding is 93% of the building damage FEMA expects in Kinross Township, and Kinross Township’s rate of river and rain flooding damage is lower than 97% of U.S. census tracts.
A+ #1 of 701 in Michigan; among the lowest expected damage per building of U.S. towns (21,298).
Kinross Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Kinross Township has less expected damage per building than 100% of Michigan towns.
In dollars, FEMA expects about $613K a year in losses across Kinross Township: $361K to buildings, the rest to people and crops.
Does Kinross Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kinross Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kinross 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: Chippewa County.The storms Kinross Township remembers
None of the 4 disasters declared for Chippewa County shows FEMA aid or repair money reaching Kinross Township itself in FEMA’s records, so these are its biggest flood-claim years.
Chippewa County has had 4 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Kinross Township and its neighbors
Kinross Township has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Kinross Township | A+among the lowest damage | river and rain flooding | 0 |
| Superior Township | A+less damage than 98% | river and rain flooding | 1 |
| Dafter Township | A+less damage than 98% | river and rain flooding | — |
| Rudyard Township | A+less damage than 97% | river and rain flooding | — |
| Pickford Township | A+less damage than 96% | river and rain flooding | — |
| Chippewa Township | — | 320 residents; we grade 1,000+ | |
| Trout Lake Township | — | 203 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 Kinross 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 Kinross Township
Is Kinross Township at risk for natural disasters?
On FEMA’s National Risk Index, Kinross Township has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #1 of 701 in Michigan. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Kinross 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 Chippewa County, 2% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Kinross Township?
FEMA’s Community Rating System list shows no discount for Kinross Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Kinross Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Kinross Township’s rate for it is lower than 97% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kinross Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kinross 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.