Makinen, John J., Bottle House · Photo: Doug Coldwell · CC BY-SA 3.0FEMA expects less hazard damage per building in Maple Grove Township than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Maple Grove Township gets an A− for hazard risk: lower expected damage per building than 79% of U.S. towns. Most of that expected damage is river and rain flooding (94%). 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 Maple Grove 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 Maple Grove Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Maple Grove Township, and Maple Grove Township’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts.
A− lower expected damage per building than 79% of U.S. towns (21,298).
Maple Grove Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $387K a year in losses across Maple Grove Township: $237K to buildings, the rest to people and crops.
Does Maple Grove Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Maple Grove Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Maple Grove 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: Manistee County.The storms Maple Grove Township remembers
None of the 5 disasters declared for Manistee County shows FEMA aid or repair money reaching Maple Grove Township itself in FEMA’s records, so these are its biggest flood-claim years.
Manistee County has had 5 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Maple Grove Township and its neighbors
Maple Grove Township is 3rd of the 3 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 |
|---|---|---|---|
| Bear Lake Township | Aless damage than 91% | river and rain flooding | 8 |
| Springdale Township | A−less damage than 80% | river and rain flooding | — |
| Maple Grove Township | A−less damage than 79% | river and rain flooding | 0 |
| Marilla Township | — | 482 residents; we grade 1,000+ | |
| Dickson Township | — | 922 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 Maple Grove 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 Maple Grove Township
Is Maple Grove Township at risk for natural disasters?
On FEMA’s National Risk Index, Maple Grove Township has lower expected damage per building than 79% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Maple Grove 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 Manistee County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Maple Grove Township?
FEMA’s Community Rating System list shows no discount for Maple Grove Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Maple Grove Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Maple Grove Township’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Maple Grove Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maple Grove 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.