Hart, Jr., Lovira and Esther Maria Parker, Farm · Photo: kennethaw88 · CC BY 4.0More hazard damage per building is expected in Tuscola Township than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Tuscola Township gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 3 claims here since 1996.
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 Tuscola 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
Strong wind
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 Tuscola Township’s grade
River and rain flooding is 83% of the building damage FEMA expects in Tuscola Township, and Tuscola Township’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts. Strong wind adds 7%, at a rate in the top 2% of U.S. census tracts.
C− higher expected damage per building than 79% of U.S. towns (21,298).
Tuscola Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Tuscola Township: $856K to buildings, the rest to people and crops.
Does Tuscola Township flood? Rarely: 3 flood claims since 1996
Every paid claim on a federal flood insurance policy in Tuscola Township, from FEMA’s records: 3.3 per 1,000 homes, more than 51% of the 13,809 U.S. towns with a flood insurance record.
Tuscola 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: Tuscola County.The storms Tuscola Township remembers
None of the 9 disasters declared for Tuscola County shows FEMA aid or repair money reaching Tuscola Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Tuscola County
- 19971 flood claims paidNo declaration for the county that year
- 20091 flood claims paidNo declaration for the county that year
Tuscola County has had 9 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 Tuscola Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tuscola Township archive →Tuscola Township and its neighbors
Tuscola Township is 5th of the 6 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 |
|---|---|---|---|
| Arbela Township | C+more damage than 57% | river and rain flooding | — |
| Denmark Township | Cmore damage than 67% | river and rain flooding | — |
| Frankenmuth Township | Cmore damage than 74% | river and rain flooding | — |
| Vassar Township | C−more damage than 78% | river and rain flooding | 1 |
| Tuscola Township | C−more damage than 79% | river and rain flooding | 3 |
| Vassar | Dmore damage than 88% | river and rain flooding | 48 |
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 Tuscola 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Tuscola Township
Is Tuscola Township at risk for natural disasters?
On FEMA’s National Risk Index, Tuscola Township has higher expected damage per building than 79% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (83%) and strong wind (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Tuscola Township flood?
Flood insurance has paid 3 claims in Tuscola Township since 1996, $38K in all, or 3.3 per 1,000 homes, more than 51% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Tuscola 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 Tuscola County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Tuscola Township?
FEMA’s Community Rating System list shows no discount for Tuscola Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Tuscola Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Tuscola Township’s rate for it is higher than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tuscola Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tuscola 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.