On FEMA’s figures, Mount Morris Township faces less hazard damage per building than 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mount Morris Township gets an A− for hazard risk: lower expected damage per building than 82% of U.S. towns, #268 of 701 in Michigan. Most of that expected damage is river and rain flooding (68%), then tornadoes (19%). Flood insurance has paid 4 claims here since 1981.
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 Mount Morris 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
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 Mount Morris Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Mount Morris Township, and Mount Morris Township’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Strong wind adds 7%, at a rate in the top 8% of U.S. census tracts.
A− #268 of 701 in Michigan; lower expected damage per building than 82% of U.S. towns (21,298).
Mount Morris Township’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Mount Morris Township has less expected damage per building than 62% of Michigan towns.
In dollars, FEMA expects about $5.0M a year in losses across Mount Morris Township: $2.9M to buildings, the rest to people and crops.
Does Mount Morris Township flood? Rarely: 4 flood claims since 1981
Every paid claim on a federal flood insurance policy in Mount Morris Township, from FEMA’s records: 0.4 per 1,000 homes, fewer than 91% of the 13,809 U.S. towns with a flood insurance record.
Mount Morris 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: Genesee County.The storms Mount Morris Township remembers
None of the 9 disasters declared for Genesee County shows FEMA aid or repair money reaching Mount Morris Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19812 flood claims paidNo declaration for the county that year
- 19852 flood claims paidThe year of Severe Storms and Flooding, declared for Genesee County
Genesee County has had 9 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 Mount Morris Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mount Morris Township archive →Mount Morris Township and its neighbors
Mount Morris Township is 3rd of the 7 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 |
|---|---|---|---|
| Mount Morris | Aless damage than 92% | river and rain flooding | 1 |
| Flint Township | Aless damage than 85% | river and rain flooding | 26 |
| Mount Morris Township | A−less damage than 82% | river and rain flooding | 4 |
| Vienna Township | A−less damage than 81% | river and rain flooding | — |
| Genesee Township | B+less damage than 73% | river and rain flooding | 15 |
| Flint | B+less damage than 65% | river and rain flooding | 121 |
| Flushing Township | Bless damage than 57% | river and rain flooding | 9 |
| Beecher | — | a Census area inside a town; graded with the town | |
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 Mount Morris 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.
- 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 Mount Morris Township
Is Mount Morris Township at risk for natural disasters?
On FEMA’s National Risk Index, Mount Morris Township has lower expected damage per building than 82% of U.S. towns: A− for hazard risk, #268 of 701 in Michigan. Most of the expected damage is river and rain flooding (68%) and tornadoes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mount Morris Township flood?
Flood insurance has paid 4 claims in Mount Morris Township since 1981, $12K in all, or 0.4 per 1,000 homes, fewer than 91% of U.S. towns with a flood insurance record.
Is Mount Morris 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 Genesee County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Mount Morris Township?
FEMA’s Community Rating System list shows no discount for Mount Morris Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Mount Morris Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Mount Morris Township’s rate for it is lower than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mount Morris Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mount Morris 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.