Indian Mission · Photo: Jon Roanhaus · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Sebewaing Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Sebewaing Township gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #645 of 701 in Michigan. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 2 claims here since 1986.
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 Sebewaing 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
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 Sebewaing Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Sebewaing Township, and Sebewaing Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 6% of U.S. census tracts.
C+ #645 of 701 in Michigan; higher expected damage per building than 58% of U.S. towns (21,298).
All of Sebewaing Township’s residents live in one census tract; the figures are that tract’s.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Sebewaing Township has more expected damage per building than 92% of Michigan towns.
In dollars, FEMA expects about $1.7M a year in losses across Sebewaing Township: $1.1M to buildings, the rest to people and crops.
Does Sebewaing Township flood? Rarely: 2 flood claims since 1986
Every paid claim on a federal flood insurance policy in Sebewaing Township, from FEMA’s records: 1.3 per 1,000 homes, fewer than 71% of the 13,809 U.S. towns with a flood insurance record.
Sebewaing 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: Huron County.The storms Sebewaing Township remembers
None of the 5 disasters declared for Huron County shows FEMA aid or repair money reaching Sebewaing Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19862 flood claims paidThe year of Severe Storms and Flooding, declared for Huron County
Huron County has had 5 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.
Old photos of Sebewaing Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sebewaing Township archive →Sebewaing Township and its neighbors
Sebewaing Township is 4th of the 4 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 |
|---|---|---|---|
| Fairhaven Township | A−less damage than 75% | river and rain flooding | 39 |
| Columbia Township | B+less damage than 73% | river and rain flooding | 15 |
| Akron Township | B+less damage than 73% | river and rain flooding | 14 |
| Sebewaing Township | C+more damage than 58% | river and rain flooding | 2 |
| Brookfield Township | — | 839 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 Sebewaing 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.
- 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 Sebewaing Township
Is Sebewaing Township at risk for natural disasters?
On FEMA’s National Risk Index, Sebewaing Township has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #645 of 701 in Michigan. Most of the expected damage is river and rain flooding (85%) and tornadoes (6%). 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 Sebewaing Township flood?
Flood insurance has paid 2 claims in Sebewaing Township since 1986, $2K in all, or 1.3 per 1,000 homes, fewer than 71% of U.S. towns with a flood insurance record.
Is Sebewaing 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 Huron County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Sebewaing Township?
FEMA’s Community Rating System list shows no discount for Sebewaing Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sebewaing Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Sebewaing Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sebewaing Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sebewaing 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.