Photo: kennethaw88 · CC BY 4.0FEMA expects less hazard damage per building in White Oak Township than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, White Oak Township gets an A− for hazard risk: lower expected damage per building than 79% of U.S. towns. Most of that expected damage is river and rain flooding (60%), then tornadoes (21%). Flood insurance has paid 1 claim here since 2013.
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 White Oak 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
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 White Oak Township’s grade
River and rain flooding is 60% of the building damage FEMA expects in White Oak Township, and White Oak Township’s rate of river and rain flooding damage is lower than 78% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 9% of U.S. census tracts.
A− lower expected damage per building than 79% of U.S. towns (21,298).
White Oak Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $265K a year in losses across White Oak Township: $183K to buildings, the rest to people and crops.
Does White Oak Township flood? Rarely: 1 flood claim since 2013
Every paid claim on a federal flood insurance policy in White Oak Township, from FEMA’s records: 2.0 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
White Oak 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: Ingham County.The storms White Oak Township remembers
None of the 8 disasters declared for Ingham County shows FEMA aid or repair money reaching White Oak Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20131 flood claims paidNo declaration for the county that year
Ingham County has had 8 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 White Oak Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the White Oak Township archive →White Oak Township and its neighbors
White Oak 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 |
|---|---|---|---|
| Ingham Township | A−less damage than 80% | river and rain flooding | 1 |
| White Oak Township | A−less damage than 79% | river and rain flooding | 1 |
| Stockbridge Township | A−less damage than 78% | river and rain flooding | — |
| Iosco Township | B+less damage than 68% | river and rain flooding | 1 |
| Leroy Township | Bless damage than 64% | 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 White Oak 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.
- 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 White Oak Township
Is White Oak Township at risk for natural disasters?
On FEMA’s National Risk Index, White Oak Township has lower expected damage per building than 79% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (60%) and tornadoes (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does White Oak Township flood?
Flood insurance has paid 1 claim in White Oak Township since 2013, $8K in all, or 2.0 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record.
Is White Oak 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 Ingham County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in White Oak Township?
FEMA’s Community Rating System list shows no discount for White Oak Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is White Oak Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and White Oak Township’s rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in White Oak Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where White Oak 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.