FEMA expects less hazard damage per building in Sagola Township than in 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sagola Township gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (81%), then hail (13%). 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 Sagola 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 Sagola Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Sagola Township, and Sagola Township’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Hail adds 13%, at a rate in the top 9% of U.S. census tracts.
A− lower expected damage per building than 78% of U.S. towns (21,298).
Sagola Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $958K a year in losses across Sagola Township: $338K to buildings, the rest to people and crops.
Does Sagola Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Sagola Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Sagola 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: Dickinson County.The storms Sagola Township remembers
None of the 2 disasters declared for Dickinson County shows FEMA aid or repair money reaching Sagola Township itself in FEMA’s records, so these are its biggest flood-claim years.
Dickinson County has had 2 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Sagola Township and its neighbors
Sagola 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 |
|---|---|---|---|
| Norway Township | A−less damage than 84% | river and rain flooding | — |
| Breitung Township | A−less damage than 82% | river and rain flooding | — |
| Sagola Township | A−less damage than 78% | river and rain flooding | 0 |
| Ely Township | B+less damage than 74% | river and rain flooding | 1 |
| Republic Township | B−more damage than 54% | river and rain flooding | 2 |
| Felch Township | — | 501 residents; we grade 1,000+ | |
| Mastodon Township | — | 721 residents; we grade 1,000+ | |
| Mansfield Township | — | 309 residents; we grade 1,000+ | |
| Humboldt Township | — | 448 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 Sagola 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 Sagola Township
Is Sagola Township at risk for natural disasters?
On FEMA’s National Risk Index, Sagola Township has lower expected damage per building than 78% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (81%) and hail (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Sagola 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 Dickinson County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Sagola Township?
FEMA’s Community Rating System list shows no discount for Sagola Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sagola Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Sagola Township’s rate for it is lower than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sagola Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sagola 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.