FEMA expects more hazard damage per building in Martiny Township than in 74% of U.S. towns, mostly from strong wind
On FEMA’s National Risk Index, Martiny Township gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns. Most of that expected damage is strong wind (61%), then river and rain flooding (32%). Flood insurance has paid 1 claim here since 2018.
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 Martiny Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Strong wind
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 Martiny Township’s grade
Strong wind is 61% of the building damage FEMA expects in Martiny Township, and Martiny Township’s rate of strong wind damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 32% (lower than 75% of U.S. census tracts).
C higher expected damage per building than 74% of U.S. towns (21,298).
Martiny Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $901K a year in losses across Martiny Township: $762K to buildings, the rest to people and crops.
Does Martiny Township flood? Rarely: 1 flood claim since 2018
Every paid claim on a federal flood insurance policy in Martiny Township, from FEMA’s records: 0.7 per 1,000 homes, fewer than 86% of the 13,809 U.S. towns with a flood insurance record.
Martiny 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: Mecosta County.The storms Martiny Township remembers
None of the 10 disasters declared for Mecosta County shows FEMA aid or repair money reaching Martiny Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20181 flood claims paidNo declaration for the county that year
Mecosta County has had 10 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.
Old photos of Martiny Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Martiny Township archive →Martiny Township and its neighbors
Martiny Township has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Martiny Township | Cmore damage than 74% | strong wind | 1 |
| Chippewa Township | C−more damage than 75% | strong wind | — |
| Sheridan Township | C−more damage than 77% | strong wind | — |
| Colfax Township | C−more damage than 77% | strong wind | — |
| Morton Township | C−more damage than 77% | strong wind | — |
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 Martiny 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Martiny Township
Is Martiny Township at risk for natural disasters?
On FEMA’s National Risk Index, Martiny Township has higher expected damage per building than 74% of U.S. towns: C for hazard risk. Most of the expected damage is strong wind (61%) and river and rain flooding (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Martiny Township flood?
Flood insurance has paid 1 claim in Martiny Township since 2018, $18K in all, or 0.7 per 1,000 homes, fewer than 86% of U.S. towns with a flood insurance record.
Is Martiny 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 Mecosta County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Martiny Township?
FEMA’s Community Rating System list shows no discount for Martiny Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Martiny Township at risk from strong wind?
It is the largest share of the building damage FEMA expects here (61%), and Martiny Township’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Martiny Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Martiny 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.