Storms, floods and disasters in Sims Township
Sims Township isn’t graded for hazard risk: Sims Township has 976 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 1986.
What Sims 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.
Does Sims Township flood? Rarely: 2 flood claims since 1986
Every paid claim on a federal flood insurance policy in Sims Township, from FEMA’s records.
Sims 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: Arenac County.The storms Sims Township remembers
None of the 8 disasters declared for Arenac County shows FEMA aid or repair money reaching Sims Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19861 flood claims paidThe year of Severe Storms and Flooding, declared for Arenac County
- 20201 flood claims paidThe year of Severe Storms and Flooding, declared for Arenac County
Arenac County has had 8 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 Sims Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sims Township archive →Sims Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Caseville Township | A−less damage than 78% | river and rain flooding | 2 |
| Au Gres | — | not graded yet | |
| Whitney Township | — | 902 residents; we grade 1,000+ | |
| Au Gres Township | — | 853 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 Sims 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 Sims Township
Does Sims Township flood?
Flood insurance has paid 2 claims in Sims Township since 1986, $56K in all.
Is Sims 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 Arenac County, 6% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Sims Township?
FEMA’s Community Rating System list shows no discount for Sims Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Sims Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sims 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.