Photo: Nyttend · Public domainBiglick Township’s building-damage rate from hail is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Biglick Township gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (71%), then hail (14%). Flood insurance has paid 14 claims here since 1992.
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 Biglick 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
Tornadoes
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 Biglick Township’s grade
River and rain flooding is 71% of the building damage FEMA expects in Biglick Township, and Biglick Township’s rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Hail adds 14%, at a rate in the top 5% of U.S. census tracts.
C+ higher expected damage per building than 60% of U.S. towns (21,298).
Biglick Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $420K a year in losses across Biglick Township: $345K to buildings, the rest to people and crops.
Does Biglick Township flood? Sometimes: 14 flood claims since 1992
Every paid claim on a federal flood insurance policy in Biglick Township, from FEMA’s records: 36.4 per 1,000 homes, more than 90% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $6K
Biglick 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: Hancock County.The storms Biglick Township remembers
None of the 10 disasters declared for Hancock County shows FEMA aid or repair money reaching Biglick Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19975 flood claims paidNo declaration for the county that year
- 19922 flood claims paidNo declaration for the county that year
- 20072 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Hancock County
Hancock County has had 10 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Biglick Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Biglick Township archive →Biglick Township and its neighbors
Biglick Township is 3rd 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 |
|---|---|---|---|
| Big Spring Township | Bless damage than 62% | river and rain flooding | 9 |
| Washington Township | B−less damage than 51% | river and rain flooding | 10 |
| Biglick Township | C+more damage than 60% | river and rain flooding | 14 |
| Marion Township | Cmore damage than 69% | river and rain flooding | 397 |
| Amanda Township | Cmore damage than 71% | 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 Biglick 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.
- 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.
- 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 Biglick Township
Is Biglick Township at risk for natural disasters?
On FEMA’s National Risk Index, Biglick Township has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (71%) and hail (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Biglick Township flood?
Flood insurance has paid 14 claims in Biglick Township since 1992, $224K in all, or 36.4 per 1,000 homes, more than 90% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (1).
Is Biglick 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 Hancock County, 18% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.
How much is flood insurance in Biglick Township?
FEMA’s Community Rating System list shows no discount for Biglick 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 Biglick Township?
By flood claims, Late winter storms: 1 paid, $6K.
Is Biglick Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Biglick Township’s rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Biglick Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Biglick 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.