Photo: Dwight Burdette · CC BY 3.0On FEMA’s figures, Unadilla Township faces less hazard damage per building than 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Unadilla Township gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns, #432 of 701 in Michigan. Most of that expected damage is river and rain flooding (73%), then tornadoes (14%). 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 Unadilla 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 Unadilla Township’s grade
River and rain flooding is 73% of the building damage FEMA expects in Unadilla Township, and Unadilla Township’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Strong wind adds 9%, at a rate in the top 4% of U.S. census tracts.
B+ #432 of 701 in Michigan; lower expected damage per building than 72% of U.S. towns (21,298).
All of Unadilla Township’s residents live in one census tract; the figures are that tract’s.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Unadilla Township has more expected damage per building than 62% of Michigan towns.
In dollars, FEMA expects about $937K a year in losses across Unadilla Township: $653K to buildings, the rest to people and crops.
Does Unadilla Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Unadilla Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Unadilla 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: Livingston County.The storms Unadilla Township remembers
None of the 5 disasters declared for Livingston County shows FEMA aid or repair money reaching Unadilla Township itself in FEMA’s records, so these are its biggest flood-claim years.
Livingston County has had 5 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.
Unadilla Township and its neighbors
Unadilla Township is 3rd 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 |
|---|---|---|---|
| Stockbridge Township | A−less damage than 78% | river and rain flooding | — |
| Lyndon Township | A−less damage than 78% | river and rain flooding | — |
| Unadilla Township | B+less damage than 72% | river and rain flooding | 0 |
| Iosco Township | B+less damage than 68% | river and rain flooding | 1 |
| Putnam Township | B+less damage than 66% | river and rain flooding | 4 |
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 Unadilla 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 Unadilla Township
Is Unadilla Township at risk for natural disasters?
On FEMA’s National Risk Index, Unadilla Township has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk, #432 of 701 in Michigan. Most of the expected damage is river and rain flooding (73%) and tornadoes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Unadilla 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 Livingston County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Unadilla Township?
FEMA’s Community Rating System list shows no discount for Unadilla Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Unadilla Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Unadilla Township’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Unadilla Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Unadilla 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.