Photo: The ed17 · CC BY-SA 4.0Less hazard damage per building is expected in Stambaugh Township than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stambaugh Township gets an A− for hazard risk: lower expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (78%), then hail (17%). 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 Stambaugh 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 Stambaugh Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Stambaugh Township, and Stambaugh Township’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Hail adds 17%, at a rate in the top 7% of U.S. census tracts.
A− lower expected damage per building than 82% of U.S. towns (21,298).
Stambaugh Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.4M a year in losses across Stambaugh Township: $341K to buildings, the rest to people and crops.
Does Stambaugh Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Stambaugh Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Stambaugh 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: Iron County.The storms Stambaugh Township remembers
None of the 4 disasters declared for Iron County shows FEMA aid or repair money reaching Stambaugh Township itself in FEMA’s records, so these are its biggest flood-claim years.
Iron County has had 4 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.
Stambaugh Township and its neighbors
Stambaugh Township is 5th 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 |
|---|---|---|---|
| Florence | Aless damage than 92% | river and rain flooding | — |
| Iron River | Aless damage than 91% | river and rain flooding | — |
| Watersmeet Township | Aless damage than 91% | river and rain flooding | — |
| Iron River Township | Aless damage than 86% | river and rain flooding | — |
| Stambaugh Township | A−less damage than 82% | river and rain flooding | 0 |
| Alvin | — | 238 residents; we grade 1,000+ | |
| Tipler | — | 285 residents; we grade 1,000+ | |
| Gaastra | — | 296 residents; we grade 1,000+ | |
| Bates Township | — | 927 residents; we grade 1,000+ | |
| Mastodon Township | — | 721 residents; we grade 1,000+ | |
| Caspian | — | 600 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 Stambaugh 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 Stambaugh Township
Is Stambaugh Township at risk for natural disasters?
On FEMA’s National Risk Index, Stambaugh Township has lower expected damage per building than 82% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (78%) and hail (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Stambaugh 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 Iron County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Stambaugh Township?
FEMA’s Community Rating System list shows no discount for Stambaugh Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Stambaugh Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Stambaugh Township’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stambaugh Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stambaugh 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.