FEMA expects less hazard damage per building in Overisel Township than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Overisel Township gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns, #457 of 701 in Michigan. Most of that expected damage is river and rain flooding (84%). 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 Overisel 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
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 Overisel Township’s grade
River and rain flooding is 84% of the building damage FEMA expects in Overisel Township, and Overisel Township’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Next is tornadoes at 7% (higher than 59% of U.S. census tracts).
B+ #457 of 701 in Michigan; lower expected damage per building than 70% of U.S. towns (21,298).
Overisel Township’s residents live in 2 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, Overisel Township has more expected damage per building than 65% of Michigan towns.
In dollars, FEMA expects about $807K a year in losses across Overisel Township: $690K to buildings, the rest to people and crops.
Does Overisel Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Overisel Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Overisel 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 Overisel Township remembers
None of the 14 disasters declared for Allegan County shows FEMA aid or repair money reaching Overisel 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.
Overisel Township and its neighbors
Overisel Township is 3rd of the 5 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 |
|---|---|---|---|
| Fillmore Township | Aless damage than 86% | river and rain flooding | — |
| Zeeland Township | A−less damage than 81% | river and rain flooding | — |
| Overisel Township | B+less damage than 70% | 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 |
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 Overisel 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.
- 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 Overisel Township
Is Overisel Township at risk for natural disasters?
On FEMA’s National Risk Index, Overisel Township has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk, #457 of 701 in Michigan. Most of the expected damage is river and rain flooding (84%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Overisel 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 Overisel Township?
FEMA’s Community Rating System list shows no discount for Overisel Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Overisel Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Overisel Township’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Overisel Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Overisel 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.