Photo: TenPoundHammer · CC BY 4.0On FEMA’s figures, Pinconning faces less hazard damage per building than 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pinconning gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 2 claims here since 1986.
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 Pinconning 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 Pinconning’s grade
River and rain flooding is 80% of the building damage FEMA expects in Pinconning, and Pinconning’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 8% of U.S. census tracts.
B+ lower expected damage per building than 73% of U.S. towns (21,298).
All of Pinconning’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $422K a year in losses across Pinconning: $284K to buildings, the rest to people and crops.
Does Pinconning flood? Rarely: 2 flood claims since 1986
Every paid claim on a federal flood insurance policy in Pinconning, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
Pinconning isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bay County.2 federal disasters brought FEMA money to Pinconning
Disasters that paid out in Pinconning itself (aid to households or repair grants to the City of Pinconning), newest first, with that year’s flood claims.
- 2017Severe Storms and Flooding31 households applied for aid$134K aid approved
- 2000Snow$2K to the City of Pinconning for repairs
Bay County has had 11 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.
Old photos of Pinconning after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pinconning archive →Get ready for what Pinconning 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 Pinconning
Is Pinconning at risk for natural disasters?
On FEMA’s National Risk Index, Pinconning has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (80%) and tornadoes (8%). 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 Pinconning flood?
Flood insurance has paid 2 claims in Pinconning since 1986, $7K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record.
Is Pinconning 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 Bay County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Pinconning?
FEMA’s Community Rating System list shows no discount for Pinconning’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Pinconning?
By FEMA money that reached Pinconning, Severe Storms and Flooding (2017): 31 households applied for aid, $134K approved.
Is Pinconning at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Pinconning’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pinconning.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pinconning’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.