John Van Buskirk Farm House · Photo: Matthew Lampe · Public domainLess hazard damage per building is expected in Richfield Township than in 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Richfield Township gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns, #534 of 701 in Michigan. Most of that expected damage is river and rain flooding (77%), then tornadoes (14%). Flood insurance has paid 3 claims here since 1985.
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 Richfield 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 Richfield Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Richfield Township, and Richfield Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 8% of U.S. census tracts.
B #534 of 701 in Michigan; lower expected damage per building than 64% of U.S. towns (21,298).
Richfield Township’s residents live in 3 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, Richfield Township has more expected damage per building than 76% of Michigan towns.
In dollars, FEMA expects about $2.2M a year in losses across Richfield Township: $1.3M to buildings, the rest to people and crops.
Does Richfield Township flood? Rarely: 3 flood claims since 1985
Every paid claim on a federal flood insurance policy in Richfield Township, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
Richfield 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 Richfield Township remembers
None of the 9 disasters declared for Genesee County shows FEMA aid or repair money reaching Richfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19851 flood claims paidThe year of Severe Storms and Flooding, declared for Genesee County
- 20131 flood claims paidNo declaration for the county that year
- 20241 flood claims paidNo declaration for the county that year
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 Richfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Richfield Township archive →Richfield Township and its neighbors
Richfield 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 |
|---|---|---|---|
| Forest Township | A−less damage than 80% | river and rain flooding | — |
| Genesee Township | B+less damage than 73% | river and rain flooding | 15 |
| Richfield Township | Bless damage than 64% | river and rain flooding | 3 |
| Davison Township | Bless damage than 62% | river and rain flooding | 7 |
| Oregon Township | B−less damage than 55% | river and rain flooding | — |
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 Richfield 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 Richfield Township
Is Richfield Township at risk for natural disasters?
On FEMA’s National Risk Index, Richfield Township has lower expected damage per building than 64% of U.S. towns: B for hazard risk, #534 of 701 in Michigan. Most of the expected damage is river and rain flooding (77%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Richfield Township flood?
Flood insurance has paid 3 claims in Richfield Township since 1985, $44K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record.
Is Richfield 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 Richfield Township?
FEMA’s Community Rating System list shows no discount for Richfield Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Richfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Richfield Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Richfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Richfield 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.