Luce County Sheriff's House and Jail · Photo: Bobak Ha'Eri · CC BY 3.0FEMA expects less hazard damage per building in McMillan Township than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, McMillan Township gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 1 claim here since 2001.
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 McMillan 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
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 McMillan Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in McMillan Township, and McMillan Township’s rate of river and rain flooding damage is lower than 86% of U.S. census tracts. Next is hail at 6% (higher than 76% of U.S. census tracts).
A+ among the lowest expected damage per building of U.S. towns (21,298).
McMillan Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $588K a year in losses across McMillan Township: $488K to buildings, the rest to people and crops.
Does McMillan Township flood? Rarely: 1 flood claim since 2001
Every paid claim on a federal flood insurance policy in McMillan Township, from FEMA’s records: 0.5 per 1,000 homes, fewer than 88% of the 13,809 U.S. towns with a flood insurance record.
The storms McMillan Township remembers
None of the 2 disasters declared for Luce County shows FEMA aid or repair money reaching McMillan Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20011 flood claims paidNo declaration for the county that year
Luce County has had 2 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of McMillan Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the McMillan Township archive →McMillan Township and its neighbors
McMillan Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| McMillan Township | A+among the lowest damage | river and rain flooding | 1 |
| Pentland Township | A+less damage than 96% | river and rain flooding | — |
| Burt Township | — | 296 residents; we grade 1,000+ | |
| Columbus Township | — | 242 residents; we grade 1,000+ | |
| Whitefish Township | — | 473 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 McMillan 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.
- 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 McMillan Township
Is McMillan Township at risk for natural disasters?
On FEMA’s National Risk Index, McMillan Township has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (90%) and hail (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does McMillan Township flood?
Flood insurance has paid 1 claim in McMillan Township since 2001, $6K in all, or 0.5 per 1,000 homes, fewer than 88% of U.S. towns with a flood insurance record.
Is McMillan 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.
How much is flood insurance in McMillan Township?
FEMA’s Community Rating System list shows no discount for McMillan Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is McMillan Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and McMillan Township’s rate for it is lower than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in McMillan Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where McMillan 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.