On FEMA’s figures, Clarksfield Township faces less hazard damage per building than 76% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Clarksfield Township gets an A− for hazard risk: lower expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then tornadoes (11%). FEMA’s files show no paid flood insurance claims here.
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 Clarksfield 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
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 Clarksfield Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Clarksfield Township, and Clarksfield Township’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Next is tornadoes at 11% (higher than 71% of U.S. census tracts).
A− lower expected damage per building than 76% of U.S. towns (21,298).
Clarksfield Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $431K a year in losses across Clarksfield Township: $323K to buildings, the rest to people and crops.
Does Clarksfield Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Clarksfield Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Clarksfield 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: Huron County.2 federal disasters brought FEMA money to Clarksfield Township
Disasters that paid out in Clarksfield Township itself (aid to households or repair grants to Clarksfield Township), newest first, with that year’s flood claims.
- 2008Record Snow and Near Record Snow$2K to Clarksfield Township for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$3K to Clarksfield Township for repairs
Huron 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 Clarksfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clarksfield Township archive →Clarksfield Township and its neighbors
Clarksfield 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 |
|---|---|---|---|
| Camden Township | Aless damage than 90% | river and rain flooding | — |
| New London Township | A−less damage than 78% | river and rain flooding | 4 |
| Clarksfield Township | A−less damage than 76% | river and rain flooding | 0 |
| Wakeman Township | B+less damage than 74% | river and rain flooding | 3 |
| Hartland Township | B+less damage than 71% | river and rain flooding | — |
| Brighton Township | — | 735 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 Clarksfield 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.
- 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 Clarksfield Township
Is Clarksfield Township at risk for natural disasters?
On FEMA’s National Risk Index, Clarksfield Township has lower expected damage per building than 76% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (72%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Clarksfield 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 Huron County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Clarksfield Township?
FEMA’s Community Rating System list shows no discount for Clarksfield 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 Clarksfield Township?
By FEMA money that reached Clarksfield Township, Severe Winter Storms, Flooding, and Mudslides (2004): $3K to Clarksfield Township for repairs.
Is Clarksfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Clarksfield Township’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clarksfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clarksfield 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.