Less hazard damage per building is expected in Melrose Township than in 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Melrose Township gets an A+ for hazard risk: lower expected damage per building than 96% of U.S. towns. Most of that expected damage is river and rain flooding (92%). 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 Melrose 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 Melrose Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Melrose Township, and Melrose Township’s rate of river and rain flooding damage is lower than 74% of U.S. census tracts.
A+ lower expected damage per building than 96% of U.S. towns (21,298).
Melrose Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $465K a year in losses across Melrose Township: $268K to buildings, the rest to people and crops.
Does Melrose Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Melrose Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Melrose 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: Charlevoix County.The storms Melrose Township remembers
None of the 5 disasters declared for Charlevoix County shows FEMA aid or repair money reaching Melrose Township itself in FEMA’s records, so these are its biggest flood-claim years.
Charlevoix County has had 5 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.
Melrose Township and its neighbors
Melrose Township is 3rd of the 4 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 |
|---|---|---|---|
| Resort Township | A+among the lowest damage | river and rain flooding | — |
| Bear Creek Township | A+less damage than 98% | river and rain flooding | — |
| Melrose Township | A+less damage than 96% | river and rain flooding | 0 |
| Boyne Valley Township | Aless damage than 94% | river and rain flooding | — |
| Evangeline Township | — | 696 residents; we grade 1,000+ | |
| Chandler Township | — | 266 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 Melrose 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 Melrose Township
Is Melrose Township at risk for natural disasters?
On FEMA’s National Risk Index, Melrose Township has lower expected damage per building than 96% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Melrose 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 Charlevoix County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Melrose Township?
FEMA’s Community Rating System list shows no discount for Melrose Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Melrose Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Melrose Township’s rate for it is lower than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Melrose Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Melrose 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.