On FEMA’s figures, Weare Township faces less hazard damage per building than 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Weare Township gets an A for hazard risk: lower expected damage per building than 85% of U.S. towns. Most of that expected damage is river and rain flooding (76%), then strong wind (18%). Flood insurance has paid 1 claim here since 1997.
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 Weare 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
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 Weare Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Weare Township, and Weare Township’s rate of river and rain flooding damage is lower than 69% of U.S. census tracts. Strong wind adds 18%, at a rate in the top 2% of U.S. census tracts.
A lower expected damage per building than 85% of U.S. towns (21,298).
All of Weare Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $491K a year in losses across Weare Township: $355K to buildings, the rest to people and crops.
Does Weare Township flood? Rarely: 1 flood claim since 1997
Every paid claim on a federal flood insurance policy in Weare Township, from FEMA’s records: 1.6 per 1,000 homes, fewer than 67% of the 13,809 U.S. towns with a flood insurance record.
Weare 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: Oceana County.The storms Weare Township remembers
None of the 10 disasters declared for Oceana County shows FEMA aid or repair money reaching Weare Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19971 flood claims paidNo declaration for the county that year
Oceana County has had 10 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 Weare Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Weare Township archive →Weare Township and its neighbors
Weare Township is 3rd of the 3 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 |
|---|---|---|---|
| Riverton Township | A+less damage than 97% | river and rain flooding | 2 |
| Pentwater Township | Aless damage than 85% | river and rain flooding | — |
| Weare Township | Aless damage than 85% | river and rain flooding | 1 |
| Hart Township | — | not graded yet | |
| Crystal Township | — | 687 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 Weare 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.
- 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 Weare Township
Is Weare Township at risk for natural disasters?
On FEMA’s National Risk Index, Weare Township has lower expected damage per building than 85% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (76%) and strong wind (18%). 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 Weare Township flood?
Flood insurance has paid 1 claim in Weare Township since 1997, $992 in all, or 1.6 per 1,000 homes, fewer than 67% of U.S. towns with a flood insurance record.
Is Weare 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 Oceana County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Weare Township?
FEMA’s Community Rating System list shows no discount for Weare Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Weare Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Weare Township’s rate for it is lower than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Weare Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Weare 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.