FEMA puts Wells Township’s expected hazard damage per building below that of 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Wells Township gets an A− for hazard risk: lower expected damage per building than 85% of U.S. towns, #226 of 701 in Michigan. Most of that expected damage is river and rain flooding (85%), then hail (11%). Flood insurance has paid 3 claims here since 2002.
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 Wells 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
Hail
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 Wells Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Wells Township, and Wells Township’s rate of river and rain flooding damage is lower than 61% of U.S. census tracts. Next is hail at 11% (higher than 88% of U.S. census tracts).
A− #226 of 701 in Michigan; lower expected damage per building than 85% of U.S. towns (21,298).
Wells Township’s residents live in 5 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, Wells Township has less expected damage per building than 68% of Michigan towns.
In dollars, FEMA expects about $2.1M a year in losses across Wells Township: $1.3M to buildings, the rest to people and crops.
Does Wells Township flood? Rarely: 3 flood claims since 2002
Every paid claim on a federal flood insurance policy in Wells Township, from FEMA’s records: 1.4 per 1,000 homes, fewer than 71% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-04-Flooding1 claim · $90K
Wells 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: Delta County.The storms Wells Township remembers
None of the 3 disasters declared for Delta County shows FEMA aid or repair money reaching Wells Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20021 flood claims paidNo declaration for the county that year
- 20231 flood claims paidNo declaration for the county that year
- 20261 flood claims paidNo declaration for the county that year
Delta County has had 3 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 Wells Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wells Township archive →Wells Township and its neighbors
Wells Township is 2nd 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 |
|---|---|---|---|
| Escanaba Township | Aless damage than 89% | river and rain flooding | 2 |
| Wells Township | A−less damage than 85% | river and rain flooding | 3 |
| Escanaba | B+less damage than 70% | river and rain flooding | 3 |
| Ford River Township | B+less damage than 67% | river and rain flooding | 4 |
| Bark River Township | Bless damage than 65% | river and rain flooding | — |
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 Wells 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Wells Township
Is Wells Township at risk for natural disasters?
On FEMA’s National Risk Index, Wells Township has lower expected damage per building than 85% of U.S. towns: A− for hazard risk, #226 of 701 in Michigan. Most of the expected damage is river and rain flooding (85%) and hail (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wells Township flood?
Flood insurance has paid 3 claims in Wells Township since 2002, $110K in all, or 1.4 per 1,000 homes, fewer than 71% 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 Wells 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 Delta County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Wells Township?
FEMA’s Community Rating System list shows no discount for Wells 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 Wells Township?
By flood claims, 2026-04-Flooding: 1 paid, $90K.
Is Wells Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Wells Township’s rate for it is lower than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wells Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wells 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.