On FEMA’s figures, Monterey Township faces less hazard damage per building than 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Monterey Township gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #234 of 701 in Michigan. Most of that expected damage is river and rain flooding (78%). 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 Monterey 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 Monterey Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Monterey Township, and Monterey Township’s rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Next is tornadoes at 10% (higher than 64% of U.S. census tracts).
A− #234 of 701 in Michigan; lower expected damage per building than 84% of U.S. towns (21,298).
All of Monterey 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, Monterey Township has less expected damage per building than 67% of Michigan towns.
In dollars, FEMA expects about $670K a year in losses across Monterey Township: $543K to buildings, the rest to people and crops.
Does Monterey Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Monterey Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Monterey 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 Monterey Township remembers
None of the 14 disasters declared for Allegan County shows FEMA aid or repair money reaching Monterey 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.
Monterey Township and its neighbors
Monterey Township is 2nd 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 |
|---|---|---|---|
| Hopkins Township | A−less damage than 84% | river and rain flooding | — |
| Monterey Township | A−less damage than 84% | river and rain flooding | 0 |
| Heath Township | B+less damage than 66% | river and rain flooding | — |
| Salem Township | Bless damage than 60% | river and rain flooding | 2 |
| Allegan Township | — | not graded yet | |
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 Monterey 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 Monterey Township
Is Monterey Township at risk for natural disasters?
On FEMA’s National Risk Index, Monterey Township has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #234 of 701 in Michigan. Most of the expected damage is river and rain flooding (78%) and tornadoes (10%). 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 Monterey 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 Monterey Township?
FEMA’s Community Rating System list shows no discount for Monterey Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Monterey Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Monterey Township’s rate for it is lower than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Monterey Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Monterey 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.