Maple Grove Township’s building-damage rate from strong wind is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Maple Grove Township gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #627 of 701 in Michigan. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 3 claims here since 1986.
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
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 Maple Grove Township’s grade
River and rain flooding is 82% 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 70% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 5% of U.S. census tracts.
B− #627 of 701 in Michigan; higher expected damage per building than 53% of U.S. towns (21,298).
All of Maple Grove Township’s residents live in one census tract; the figures are that tract’s.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Maple Grove Township has more expected damage per building than 89% of Michigan towns.
In dollars, FEMA expects about $871K a year in losses across Maple Grove Township: $558K to buildings, the rest to people and crops.
Does Maple Grove Township flood? Rarely: 3 flood claims since 1986
Every paid claim on a federal flood insurance policy in Maple Grove Township, from FEMA’s records: 2.9 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
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: Saginaw County.The storms Maple Grove Township remembers
None of the 15 disasters declared for Saginaw County shows FEMA aid or repair money reaching Maple Grove Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19861 flood claims paidThe year of Severe Storms and Flooding, declared for Saginaw County
- 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Saginaw County
- 20001 flood claims paidThe year of Snow, declared for Saginaw County
Saginaw County has had 15 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Maple Grove Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Maple Grove Township archive →Maple Grove Township and its neighbors
Maple Grove Township is 5th 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 |
|---|---|---|---|
| Montrose Township | B+less damage than 74% | river and rain flooding | — |
| Chesaning Township | B+less damage than 71% | river and rain flooding | — |
| Hazelton Township | B+less damage than 67% | river and rain flooding | — |
| Albee Township | B−more damage than 53% | river and rain flooding | 2 |
| Maple Grove Township | B−more damage than 53% | river and rain flooding | 3 |
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.
- 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 Maple Grove Township
Is Maple Grove Township at risk for natural disasters?
On FEMA’s National Risk Index, Maple Grove Township has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #627 of 701 in Michigan. Most of the expected damage is river and rain flooding (82%) and tornadoes (8%). 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 Maple Grove Township flood?
Flood insurance has paid 3 claims in Maple Grove Township since 1986, $6K in all, or 2.9 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record.
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 Saginaw County, 1.1% 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 (82%), and Maple Grove Township’s rate for it is higher than 70% 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.