PEWABIC (propeller) Shipwreck Site · Photo: National Oceanic and Atmospheric Administration · Public domainFEMA puts Sanborn Township’s expected hazard damage per building below that of 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sanborn Township gets an A for hazard risk: lower expected damage per building than 91% of U.S. towns. Most of that expected damage is river and rain flooding (95%). 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 Sanborn 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 Sanborn Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Sanborn Township, and Sanborn Township’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts.
A lower expected damage per building than 91% of U.S. towns (21,298).
Sanborn Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $505K a year in losses across Sanborn Township: $383K to buildings, the rest to people and crops.
Does Sanborn Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Sanborn Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Sanborn 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: Alpena County.The storms Sanborn Township remembers
None of the 4 disasters declared for Alpena County shows FEMA aid or repair money reaching Sanborn Township itself in FEMA’s records, so these are its biggest flood-claim years.
Alpena County has had 4 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Sanborn Township and its neighbors
Sanborn Township has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Sanborn Township | Aless damage than 91% | river and rain flooding | 0 |
| Ossineke Township | A−less damage than 78% | river and rain flooding | — |
| Caledonia Township | C+more damage than 55% | river and rain flooding | — |
| Alpena Township | — | not graded yet | |
| Alcona Township | — | not graded yet | |
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 Sanborn 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 Sanborn Township
Is Sanborn Township at risk for natural disasters?
On FEMA’s National Risk Index, Sanborn Township has lower expected damage per building than 91% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (95%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Sanborn 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 Alpena County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Sanborn Township?
FEMA’s Community Rating System list shows no discount for Sanborn Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sanborn Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Sanborn Township’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sanborn Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sanborn 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.