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Macon Township HallPhoto: Dwight Burdette · CC BY 3.0
BHazard risk
Natural hazards in Macon Township · FEMA

FEMA expects about as much hazard damage per building in Macon Township as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Macon Township gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (75%), then tornadoes (12%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 75%Tornadoes 12%Strong wind 6%

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

less than 56%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B
in Michigan · lower than 56% of U.S. towns
Main hazard
River and rain flooding
75% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 3 declared for Lenawee County
By hazard

What Macon 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

75%of expected building damage
About average · higher than 56% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

12%of expected building damage
Well above average · higher than 83% of U.S. census tracts

Strong wind

6%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Recorded about 5 times a year in the area
Smaller shares here
 Hail Earthquakes Ice storms Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves Landslides
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 15% of Macon 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 Macon Township’s grade

River and rain flooding is 75% of the building damage FEMA expects in Macon Township, and Macon Township’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 7% of U.S. census tracts.

Where Macon Township sits
Macon Township
Least damageMiddleMost damage

B lower expected damage per building than 56% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding75%Tornadoes12%Strong wind6%Everything else8%

In dollars, FEMA expects about $447K a year in losses across Macon Township: $318K to buildings, the rest to people and crops.

Shared tract.All of Macon Township’s 1,330 residents (2020 census) live in one census tract, which it shares with Ridgeway township (1,535 residents) and Britton village (537 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 Macon Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Macon Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Macon 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: Lenawee County.
Disasters

The storms Macon Township remembers

None of the 3 disasters declared for Lenawee County shows FEMA aid or repair money reaching Macon Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Macon TownshipLenawee County only

Lenawee County has had 3 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.

Next door

Macon Township and its neighbors

Macon Township is 6th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Ridgeway Township: hazard risk BSaline Township: hazard risk AMilan Township: hazard risk A−Tecumseh Township: hazard risk B+Clinton Township: hazard risk B+Ridgeway TownshipSaline TownshipMilan TownshipTecumseh TownshipClinton TownshipMacon Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Saline TownshipAless damage than 85%river and rain flooding—
Milan TownshipA−less damage than 78%river and rain flooding—
Clinton TownshipB+less damage than 70%river and rain flooding1
Tecumseh TownshipB+less damage than 70%river and rain flooding—
Ridgeway TownshipBless damage than 56%river and rain flooding—
Macon TownshipBless damage than 56%river and rain flooding0

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 Macon 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 ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
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 Macon Township

Is Macon Township at risk for natural disasters?

On FEMA’s National Risk Index, Macon Township has lower expected damage per building than 56% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (75%) and tornadoes (12%). 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.

Is Macon 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 Lenawee County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Macon Township?

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

Is Macon Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (75%), and Macon Township’s rate for it is higher than 56% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Macon Township.

Town Square →
Start the conversation

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