Less hazard damage per building is expected in Sherman Township than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sherman Township gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 1 claim here since 2014.
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 Sherman 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 Sherman Township’s grade
River and rain flooding is 83% of the building damage FEMA expects in Sherman Township, and Sherman Township’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 9% of U.S. census tracts.
A− lower expected damage per building than 83% of U.S. towns (21,298).
Sherman Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $334K a year in losses across Sherman Township: $241K to buildings, the rest to people and crops.
Does Sherman Township flood? Rarely: 1 flood claim since 2014
Every paid claim on a federal flood insurance policy in Sherman Township, from FEMA’s records: 1.2 per 1,000 homes, fewer than 75% of the 13,809 U.S. towns with a flood insurance record.
Sherman 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: Gladwin County.The storms Sherman Township remembers
None of the 8 disasters declared for Gladwin County shows FEMA aid or repair money reaching Sherman Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20141 flood claims paidNo declaration for the county that year
Gladwin County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Sherman Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sherman Township archive →Sherman Township and its neighbors
Sherman Township is 2nd of the 3 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 |
|---|---|---|---|
| Butman Township | Aless damage than 88% | river and rain flooding | — |
| Sherman Township | A−less damage than 83% | river and rain flooding | 1 |
| Sage Township | A−less damage than 81% | river and rain flooding | — |
| Franklin Township | — | 791 residents; we grade 1,000+ | |
| Nester Township | — | 183 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 Sherman 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 Sherman Township
Is Sherman Township at risk for natural disasters?
On FEMA’s National Risk Index, Sherman Township has lower expected damage per building than 83% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (83%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Sherman Township flood?
Flood insurance has paid 1 claim in Sherman Township since 2014, $1K in all, or 1.2 per 1,000 homes, fewer than 75% of U.S. towns with a flood insurance record.
Is Sherman 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 Gladwin County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Sherman Township?
FEMA’s Community Rating System list shows no discount for Sherman Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sherman Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Sherman Township’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sherman Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sherman 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.