Locke Township’s building-damage rate from strong wind is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Locke Township gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (67%), then tornadoes (17%). Flood insurance has paid 2 claims here since 2018.
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 Locke 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
Tornadoes
Strong wind
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 Locke Township’s grade
River and rain flooding is 67% of the building damage FEMA expects in Locke Township, and Locke Township’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 9% of U.S. census tracts.
B lower expected damage per building than 64% of U.S. towns (21,298).
All of Locke Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $559K a year in losses across Locke Township: $435K to buildings, the rest to people and crops.
Does Locke Township flood? Rarely: 2 flood claims since 2018
Every paid claim on a federal flood insurance policy in Locke Township, from FEMA’s records: 3.1 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.
Locke 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: Ingham County.The storms Locke Township remembers
None of the 8 disasters declared for Ingham County shows FEMA aid or repair money reaching Locke Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20181 flood claims paidNo declaration for the county that year
- 20231 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Ingham County
Ingham County has had 8 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.
Old photos of Locke Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Locke Township archive →Locke Township and its neighbors
Locke Township is 4th 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 |
|---|---|---|---|
| Perry Township | A−less damage than 79% | river and rain flooding | — |
| Conway Township | B+less damage than 71% | river and rain flooding | — |
| Leroy Township | Bless damage than 64% | river and rain flooding | — |
| Locke Township | Bless damage than 64% | river and rain flooding | 2 |
| Williamstown Township | B−less damage than 51% | river and rain flooding | 4 |
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 Locke 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Locke Township
Is Locke Township at risk for natural disasters?
On FEMA’s National Risk Index, Locke Township has lower expected damage per building than 64% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (67%) and tornadoes (17%). 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 Locke Township flood?
Flood insurance has paid 2 claims in Locke Township since 2018, $6K in all, or 3.1 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record.
Is Locke 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 Ingham County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Locke Township?
FEMA’s Community Rating System list shows no discount for Locke Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Locke Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Locke Township’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Locke Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Locke 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.