For strong wind, Victor Township’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Victor Township gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #628 of 701 in Michigan. Most of that expected damage is river and rain flooding (69%), then tornadoes (14%). Flood insurance has paid 7 claims here since 2004.
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 Victor 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 Victor Township’s grade
River and rain flooding is 69% of the building damage FEMA expects in Victor Township, and Victor Township’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 8% of U.S. census tracts.
B− #628 of 701 in Michigan; higher expected damage per building than 53% of U.S. towns (21,298).
All of Victor 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, Victor Township has more expected damage per building than 90% of Michigan towns.
In dollars, FEMA expects about $1.1M a year in losses across Victor Township: $752K to buildings, the rest to people and crops.
Does Victor Township flood? Rarely: 7 flood claims since 2004
Every paid claim on a federal flood insurance policy in Victor Township, from FEMA’s records: 4.9 per 1,000 homes, more than 60% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-04-Flooding1 claim · $37K
Victor 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: Clinton County.The storms Victor Township remembers
None of the 7 disasters declared for Clinton County shows FEMA aid or repair money reaching Victor Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20132 flood claims paidNo declaration for the county that year
- 20041 flood claims paidNo declaration for the county that year
- 20171 flood claims paidNo declaration for the county that year
Clinton County has had 7 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Victor Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Victor Township archive →Victor Township and its neighbors
Victor 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 |
|---|---|---|---|
| Bath Township | B+less damage than 67% | river and rain flooding | — |
| Sciota Township | B+less damage than 65% | river and rain flooding | — |
| Olive Township | B−less damage than 54% | river and rain flooding | — |
| Ovid Township | B−more damage than 51% | river and rain flooding | 2 |
| Victor Township | B−more damage than 53% | river and rain flooding | 7 |
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 Victor 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 Victor Township
Is Victor Township at risk for natural disasters?
On FEMA’s National Risk Index, Victor Township has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #628 of 701 in Michigan. Most of the expected damage is river and rain flooding (69%) 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.
Does Victor Township flood?
Flood insurance has paid 7 claims in Victor Township since 2004, $368K in all, or 4.9 per 1,000 homes, more than 60% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from 2026-04-Flooding (1).
Is Victor 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 Clinton County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Victor Township?
FEMA’s Community Rating System list shows no discount for Victor Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Victor Township?
By flood claims, 2026-04-Flooding: 1 paid, $37K.
Is Victor Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Victor Township’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Victor Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Victor 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.