Webber Township’s building-damage rate from strong wind is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Webber Township gets a B for hazard risk: lower expected damage per building than 61% of U.S. towns, #557 of 701 in Michigan. Most of that expected damage is river and rain flooding (78%), then strong wind (18%). Flood insurance has paid 5 claims here since 1986.
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 Webber 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 Webber Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Webber Township, and Webber Township’s rate of river and rain flooding damage is higher than 55% of U.S. census tracts. Strong wind adds 18%, at a rate in the top 1% of U.S. census tracts.
B #557 of 701 in Michigan; lower expected damage per building than 61% of U.S. towns (21,298).
Webber Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Webber Township has more expected damage per building than 79% of Michigan towns.
In dollars, FEMA expects about $921K a year in losses across Webber Township: $750K to buildings, the rest to people and crops.
Does Webber Township flood? Rarely: 5 flood claims since 1986
Every paid claim on a federal flood insurance policy in Webber Township, from FEMA’s records: 2.8 per 1,000 homes, fewer than 54% of the 13,809 U.S. towns with a flood insurance record.
Webber 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: Lake County.The storms Webber Township remembers
None of the 6 disasters declared for Lake County shows FEMA aid or repair money reaching Webber Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19863 flood claims paidThe year of Severe Storms and Flooding, declared for Lake County
- 20191 flood claims paidNo declaration for the county that year
- 20201 flood claims paidNo declaration for the county that year
Lake County has had 6 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Webber Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Webber Township archive →Webber Township and its neighbors
Webber Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Webber Township | Bless damage than 61% | river and rain flooding | 5 |
| Pleasant Plains Township | Bless damage than 61% | river and rain flooding | 30 |
| Sweetwater Township | — | 201 residents; we grade 1,000+ | |
| Peacock Township | — | 418 residents; we grade 1,000+ | |
| Cherry Valley Township | — | 463 residents; we grade 1,000+ | |
| Sauble Township | — | 404 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 Webber 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 Webber Township
Is Webber Township at risk for natural disasters?
On FEMA’s National Risk Index, Webber Township has lower expected damage per building than 61% of U.S. towns: B for hazard risk, #557 of 701 in Michigan. Most of the expected damage is river and rain flooding (78%) and strong wind (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Webber Township flood?
Flood insurance has paid 5 claims in Webber Township since 1986, $151K in all, or 2.8 per 1,000 homes, fewer than 54% of U.S. towns with a flood insurance record.
Is Webber 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 Lake County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Webber Township?
FEMA’s Community Rating System list shows no discount for Webber Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Webber Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Webber Township’s rate for it is higher than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Webber Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Webber 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.