Split Rock Light Station · Photo: Jim Sorbie · CC BY 2.0Storms, floods and disasters in Beaver Bay Township
Beaver Bay Township isn’t graded for hazard risk: Beaver Bay Township has 561 residents; we grade towns of 1,000 or more.
What Beaver Bay 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
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.
Does Beaver Bay Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Beaver Bay Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Beaver Bay 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.4 federal disasters brought FEMA money to Beaver Bay Township
Disasters that paid out in Beaver Bay Township itself (aid to households or repair grants to Beaver Bay Township), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding$19K to Beaver Bay Township for repairs
- 2009Severe Storms and Flooding$5K to Beaver Bay Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$4K to Beaver Bay Township for repairs
- 1999Severe Storms, Winds, and Flooding$4K to Beaver Bay Township for repairs
Lake County has had 9 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 Beaver Bay Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Beaver Bay Township archive →Beaver Bay Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Silver Bay | A−less damage than 81% | river and rain flooding | — |
| Silver Creek Township | C+more damage than 63% | river and rain flooding | — |
| Beaver Bay | — | 82 residents; we grade 1,000+ | |
| Stony River Township | — | 232 residents; we grade 1,000+ | |
| Crystal Bay Township | — | 469 residents; we grade 1,000+ | |
| Finland | — | 257 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 Beaver Bay 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.
- 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 Beaver Bay Township
Is Beaver Bay 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 Beaver Bay Township?
FEMA’s Community Rating System list shows no discount for Beaver Bay 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 Beaver Bay Township?
By FEMA money that reached Beaver Bay Township, Severe Storms and Flooding (2024): $19K to Beaver Bay Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Beaver Bay Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beaver Bay 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.