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A−Hazard risk
Natural hazards in Moffatt Township · FEMA

FEMA puts Moffatt Township’s expected hazard damage per building below that of 78% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Moffatt Township gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 14 claims here since 1990.

River and rain flooding 85%Tornadoes 6%Strong wind 5%

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

less than 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Michigan · lower than 78% of U.S. towns
Main hazard
River and rain flooding
85% of expected building damage
Flood claims
14
paid since 1990 · $657K
Flood claims per home
17 per 1,000
more than 82% of U.S. towns
By hazard

What Moffatt 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

85%of expected building damage
About average · lower than 53% of U.S. census tracts
Recorded about once every 2 years in the area

Tornadoes

6%of expected building damage
About average · higher than 54% of U.S. census tracts
Smaller shares here
 Strong wind Hail Wildfire Ice storms Earthquakes Hurricanes Winter storms Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 16% of Moffatt Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Moffatt Township’s grade

River and rain flooding is 85% of the building damage FEMA expects in Moffatt Township, and Moffatt Township’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Next is tornadoes at 6% (higher than 54% of U.S. census tracts).

Where Moffatt Township sits
Moffatt Township
Least damageMiddleMost damage

A− lower expected damage per building than 78% of U.S. towns (21,298).

All of Moffatt Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding85%Tornadoes6%Strong wind5%Everything else5%

In dollars, FEMA expects about $462K a year in losses across Moffatt Township: $341K to buildings, the rest to people and crops.

Shared tract.All of Moffatt Township’s 1,166 residents (2020 census) live in one census tract, which it shares with Clayton township (1,001 residents) and Adams township (554 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Moffatt Township flood? Sometimes: 14 flood claims since 1990

Every paid claim on a federal flood insurance policy in Moffatt Township, from FEMA’s records: 17.5 per 1,000 homes, more than 82% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1990: 3 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 1 claim2005: 0 claims2006: 0 claims2007: 2 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 3 claims2019: 0 claims2020: 5 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199020182020
19902026
14
paid claims since 1990
$657K
paid to owners
0
homes flooded more than once
$47K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Moffatt 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: Arenac County.
Disasters

The storms Moffatt Township remembers

None of the 8 disasters declared for Arenac County shows FEMA aid or repair money reaching Moffatt Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20205 flood claims paidThe year of Severe Storms and Flooding, declared for Arenac County
  2. 19903 flood claims paidNo declaration for the county that year
  3. 20183 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Moffatt TownshipArenac County only

Arenac County has had 8 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Moffatt Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Moffatt Township archive →
Next door

Moffatt Township and its neighbors

Moffatt Township is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Adams Township: not gradedClayton Township: hazard risk A−Bourret Township: not gradedAdams TownshipClayton TownshipBourret TownshipMoffatt Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Clayton TownshipA−less damage than 78%river and rain flooding—
Moffatt TownshipA−less damage than 78%river and rain flooding14
Adams Township—436 residents; we grade 1,000+
Bourret Township—410 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.

Be ready

Get ready for what Moffatt 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Moffatt Township

Is Moffatt Township at risk for natural disasters?

On FEMA’s National Risk Index, Moffatt Township has lower expected damage per building than 78% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (85%) and tornadoes (6%). 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.

Does Moffatt Township flood?

Flood insurance has paid 14 claims in Moffatt Township since 1990, $657K in all, or 17.5 per 1,000 homes, more than 82% of U.S. towns with a flood insurance record.

Is Moffatt 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 Arenac County, 6% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.

How much is flood insurance in Moffatt Township?

FEMA’s Community Rating System list shows no discount for Moffatt Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Moffatt Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (85%), and Moffatt Township’s rate for it is lower than 53% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Moffatt Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Moffatt 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.