FEMA expects less hazard damage per building in Maple Ridge Township than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Maple Ridge 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 (96%). Flood insurance has paid 1 claim here since 2026.
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 Ridge 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 Ridge Township’s grade
River and rain flooding is 96% of the building damage FEMA expects in Maple Ridge Township, and Maple Ridge Township’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts.
A− lower expected damage per building than 79% of U.S. towns (21,298).
Maple Ridge Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $424K a year in losses across Maple Ridge Township: $331K to buildings, the rest to people and crops.
Does Maple Ridge Township flood? Rarely: 1 flood claim since 2026
Every paid claim on a federal flood insurance policy in Maple Ridge Township, from FEMA’s records: 1.2 per 1,000 homes, fewer than 74% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-04-Flooding1 claim · $26K
Maple Ridge 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: Alpena County.The storms Maple Ridge Township remembers
None of the 4 disasters declared for Alpena County shows FEMA aid or repair money reaching Maple Ridge Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20261 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Alpena County
Alpena County has had 4 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Maple Ridge Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Maple Ridge Township archive →Maple Ridge Township and its neighbors
Maple Ridge Township is 2nd of the 2 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 |
|---|---|---|---|
| Wilson Township | A−less damage than 80% | river and rain flooding | 1 |
| Maple Ridge Township | A−less damage than 79% | river and rain flooding | 1 |
| Long Rapids Township | — | 936 residents; we grade 1,000+ | |
| Alpena Township | — | not graded yet | |
| Krakow Township | — | 788 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 Ridge 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 Ridge Township
Is Maple Ridge Township at risk for natural disasters?
On FEMA’s National Risk Index, Maple Ridge 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 (96%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Maple Ridge Township flood?
Flood insurance has paid 1 claim in Maple Ridge Township since 2026, $26K in all, or 1.2 per 1,000 homes, fewer than 74% of U.S. towns with a flood insurance record. The most claims came from 2026-04-Flooding (1).
Is Maple Ridge 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 Alpena County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Maple Ridge Township?
FEMA’s Community Rating System list shows no discount for Maple Ridge Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Maple Ridge Township?
By flood claims, 2026-04-Flooding: 1 paid, $26K.
Is Maple Ridge Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Maple Ridge Township’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Maple Ridge Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maple Ridge 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.