Photo: Nyttend · Public domainOn FEMA’s figures, Fitchville Township faces less hazard damage per building than 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fitchville Township gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (74%), 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 Fitchville 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 Fitchville Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Fitchville Township, and Fitchville Township’s rate of river and rain flooding damage is lower than 56% of U.S. census tracts. Next is tornadoes at 11% (higher than 74% of U.S. census tracts).
B+ lower expected damage per building than 70% of U.S. towns (21,298).
All of Fitchville Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $325K a year in losses across Fitchville Township: $253K to buildings, the rest to people and crops.
Does Fitchville Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Fitchville Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Fitchville 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.3 federal disasters brought FEMA money to Fitchville Township
Disasters that paid out in Fitchville Township itself (aid to households or repair grants to Fitchville Township), newest first, with that year’s flood claims.
- 2008Record Snow and Near Record Snow$1K to Fitchville Township for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$4K to Fitchville Township for repairs
- 2004Snow$2K to Fitchville 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 Fitchville Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fitchville Township archive →Fitchville Township and its neighbors
Fitchville Township is 5th 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 |
|---|---|---|---|
| New London Township | A−less damage than 78% | river and rain flooding | 4 |
| Greenwich Township | A−less damage than 76% | river and rain flooding | — |
| Fairfield Township | B+less damage than 72% | river and rain flooding | — |
| Hartland Township | B+less damage than 71% | river and rain flooding | — |
| Fitchville Township | B+less damage than 70% | river and rain flooding | 0 |
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 Fitchville 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 Fitchville Township
Is Fitchville Township at risk for natural disasters?
On FEMA’s National Risk Index, Fitchville Township has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (74%) and tornadoes (11%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Fitchville 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 Fitchville Township?
FEMA’s Community Rating System list shows no discount for Fitchville 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 Fitchville Township?
By FEMA money that reached Fitchville Township, Severe Winter Storms, Flooding, and Mudslides (2004): $4K to Fitchville Township for repairs.
Is Fitchville Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Fitchville Township’s rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fitchville Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fitchville 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.