Republic Township’s building-damage rate from hail is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Republic Township gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (74%), then hail (22%). Flood insurance has paid 2 claims here since 2002.
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 Republic 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
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 Republic Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Republic Township, and Republic Township’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Hail adds 22%, at a rate in the top 3% of U.S. census tracts.
B− higher expected damage per building than 54% of U.S. towns (21,298).
All of Republic Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $609K a year in losses across Republic Township: $391K to buildings, the rest to people and crops.
Does Republic Township flood? Rarely: 2 flood claims since 2002
Every paid claim on a federal flood insurance policy in Republic Township, from FEMA’s records: 2.1 per 1,000 homes, fewer than 60% of the 13,809 U.S. towns with a flood insurance record.
Republic 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: Marquette County.The storms Republic Township remembers
None of the 7 disasters declared for Marquette County shows FEMA aid or repair money reaching Republic Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20022 flood claims paidThe year of Flooding, declared for Marquette County
Marquette County has had 7 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Marquette County, 1999–1999.
Old photos of Republic Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Republic Township archive →Republic Township and its neighbors
Republic Township is 3rd of the 3 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 |
|---|---|---|---|
| Sagola Township | A−less damage than 78% | river and rain flooding | — |
| Crystal Falls Township | B+less damage than 74% | river and rain flooding | — |
| Republic Township | B−more damage than 54% | river and rain flooding | 2 |
| Humboldt Township | — | 448 residents; we grade 1,000+ | |
| Michigamme Township | — | 280 residents; we grade 1,000+ | |
| Spurr Township | — | 242 residents; we grade 1,000+ | |
| Mansfield Township | — | 309 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.
Get ready for what Republic 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.
- 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 Republic Township
Is Republic Township at risk for natural disasters?
On FEMA’s National Risk Index, Republic Township has higher expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (74%) and hail (22%). 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 Republic Township flood?
Flood insurance has paid 2 claims in Republic Township since 2002, $22K in all, or 2.1 per 1,000 homes, fewer than 60% of U.S. towns with a flood insurance record.
Is Republic 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 Marquette County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Republic Township?
FEMA’s Community Rating System list shows no discount for Republic Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Republic Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Republic Township’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Republic Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Republic 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.