FEMA expects about as much hazard damage per building in Swan Creek Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Swan Creek Township gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 2 claims here since 2013.
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 Swan Creek 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 Swan Creek Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Swan Creek Township, and Swan Creek Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 5% of U.S. census tracts.
C+ higher expected damage per building than 57% of U.S. towns (21,298).
Swan Creek Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $864K a year in losses across Swan Creek Township: $600K to buildings, the rest to people and crops.
Does Swan Creek Township flood? Rarely: 2 flood claims since 2013
Every paid claim on a federal flood insurance policy in Swan Creek Township, from FEMA’s records: 1.9 per 1,000 homes, fewer than 63% of the 13,809 U.S. towns with a flood insurance record.
Swan Creek 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: Saginaw County.The storms Swan Creek Township remembers
None of the 15 disasters declared for Saginaw County shows FEMA aid or repair money reaching Swan Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20131 flood claims paidThe year of Flooding, declared for Saginaw County
- 20201 flood claims paidThe year of Severe Storms and Flooding, declared for Saginaw County
Saginaw County has had 15 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 Swan Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Swan Creek Township archive →Swan Creek Township and its neighbors
Swan Creek Township has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Swan Creek Township | C+more damage than 57% | river and rain flooding | 2 |
| St. Charles Township | C+more damage than 58% | river and rain flooding | 15 |
| St. Charles | C+more damage than 58% | river and rain flooding | 17 |
| Fremont Township | C+more damage than 61% | river and rain flooding | — |
| Thomas Township | C+more damage than 61% | river and rain flooding | 83 |
| James Township | Dmore damage than 89% | river and rain flooding | 52 |
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 Swan Creek 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 Swan Creek Township
Is Swan Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Swan Creek Township has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (85%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Swan Creek Township flood?
Flood insurance has paid 2 claims in Swan Creek Township since 2013, $18K in all, or 1.9 per 1,000 homes, fewer than 63% of U.S. towns with a flood insurance record.
Is Swan Creek 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 Saginaw County, 1.1% of all homes carry federal flood insurance.
How much is flood insurance in Swan Creek Township?
FEMA’s Community Rating System list shows no discount for Swan Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Swan Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Swan Creek Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Swan Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Swan Creek 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.