On FEMA’s figures, Robinson Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Robinson Township gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #638 of 701 in Michigan. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 47 claims here since 1997.
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 Robinson 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
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 Robinson Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Robinson Township, and Robinson Township’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts.
C+ #638 of 701 in Michigan; higher expected damage per building than 56% of U.S. towns (21,298).
Robinson 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, Robinson Township has more expected damage per building than 91% of Michigan towns.
In dollars, FEMA expects about $1.8M a year in losses across Robinson Township: $1.5M to buildings, the rest to people and crops.
Does Robinson Township flood? Sometimes: 47 flood claims since 1997
Every paid claim on a federal flood insurance policy in Robinson Township, from FEMA’s records: 22.1 per 1,000 homes, more than 85% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-04-Flooding3 claims · $25K
Robinson 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: Ottawa County.The storms Robinson Township remembers
None of the 13 disasters declared for Ottawa County shows FEMA aid or repair money reaching Robinson Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201315 flood claims paidThe year of Flooding, declared for Ottawa County
- 20057 flood claims paidNo declaration for the county that year
- 20186 flood claims paidNo declaration for the county that year
Ottawa County has had 13 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 Robinson Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Robinson Township archive →Robinson Township and its neighbors
Robinson Township is 5th 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 |
|---|---|---|---|
| Allendale Township | A−less damage than 81% | river and rain flooding | 2 |
| Crockery Township | B+less damage than 72% | river and rain flooding | 1 |
| Olive Township | B+less damage than 72% | river and rain flooding | — |
| Grand Haven Township | Bless damage than 60% | river and rain flooding | 18 |
| Robinson Township | C+more damage than 56% | river and rain flooding | 47 |
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 Robinson 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.
- 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 Robinson Township
Is Robinson Township at risk for natural disasters?
On FEMA’s National Risk Index, Robinson Township has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #638 of 701 in Michigan. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Robinson Township flood?
Flood insurance has paid 47 claims in Robinson Township since 1997, $826K in all, or 22.1 per 1,000 homes, more than 85% of U.S. towns with a flood insurance record. 11 properties have flooded more than once. The most claims came from 2026-04-Flooding (3).
Is Robinson 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 Ottawa County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Robinson Township?
FEMA’s Community Rating System list shows no discount for Robinson Township’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 Robinson Township?
By flood claims, 2026-04-Flooding: 3 paid, $25K.
Is Robinson Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Robinson Township’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Robinson Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Robinson 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.