FEMA puts Martin Township’s expected hazard damage per building below that of 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Martin Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #181 of 701 in Michigan. Most of that expected damage is river and rain flooding (70%), then tornadoes (14%). 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 Martin 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
Hail
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 Martin Township’s grade
River and rain flooding is 70% of the building damage FEMA expects in Martin Township, and Martin Township’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Strong wind adds 7%, at a rate in the top 8% of U.S. census tracts.
A #181 of 701 in Michigan; lower expected damage per building than 87% of U.S. towns (21,298).
All of Martin 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, Martin Township has less expected damage per building than 74% of Michigan towns.
In dollars, FEMA expects about $641K a year in losses across Martin Township: $453K to buildings, the rest to people and crops.
Does Martin Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Martin Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Martin 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: Allegan County.The storms Martin Township remembers
None of the 14 disasters declared for Allegan County shows FEMA aid or repair money reaching Martin Township itself in FEMA’s records, so these are its biggest flood-claim years.
Allegan County has had 14 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.
Martin Township and its neighbors
Martin Township is 3rd 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 |
|---|---|---|---|
| Wayland Township | Aless damage than 87% | river and rain flooding | — |
| Watson Township | Aless damage than 87% | river and rain flooding | — |
| Martin Township | Aless damage than 87% | river and rain flooding | 0 |
| Orangeville Township | B+less damage than 75% | river and rain flooding | — |
| Gun Plain Township | Bless damage than 57% | river and rain flooding | 1 |
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 Martin 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Martin Township
Is Martin Township at risk for natural disasters?
On FEMA’s National Risk Index, Martin Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #181 of 701 in Michigan. Most of the expected damage is river and rain flooding (70%) and tornadoes (14%). 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 Martin 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 Allegan County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Martin Township?
FEMA’s Community Rating System list shows no discount for Martin Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Martin Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Martin Township’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Martin Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Martin 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.