Storms, floods and disasters in Grugan Township
Grugan Township isn’t graded for hazard risk: Grugan Township has 28 residents; we grade towns of 1,000 or more. Flood insurance has paid 47 claims here since 1984.
What Grugan 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 Grugan Township flood? Sometimes: 47 flood claims since 1984
Every paid claim on a federal flood insurance policy in Grugan Township, from FEMA’s records.
- Tropical Storm Ivan26 claims · $818K
Grugan 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: Clinton County.The storms Grugan Township remembers
None of the 12 disasters declared for Clinton County shows FEMA aid or repair money reaching Grugan Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 200427 flood claims paidThe year of Tropical Depression Ivan, declared for Clinton County
- 199610 flood claims paidThe year of Severe Storms and Flooding, declared for Clinton County
- 20104 flood claims paidNo declaration for the county that year
Clinton County has had 12 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Grugan Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Grugan Township archive →Grugan 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 |
|---|---|---|---|
| Bald Eagle Township | C−more damage than 78% | river and rain flooding | 119 |
| Colebrook Township | — | 153 residents; we grade 1,000+ | |
| Noyes Township | — | 391 residents; we grade 1,000+ | |
| McHenry Township | — | 98 residents; we grade 1,000+ | |
| Chapman Township | — | not graded yet | |
| Gallagher Township | — | 516 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 Grugan 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 Grugan Township
Does Grugan Township flood?
Flood insurance has paid 47 claims in Grugan Township since 1984, $998K in all. The most claims came from Tropical Storm Ivan (26).
Is Grugan 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 Clinton County, 15% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.
How much is flood insurance in Grugan Township?
FEMA’s Community Rating System list shows no discount for Grugan 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 Grugan Township?
By flood claims, Tropical Storm Ivan: 26 paid, $818K.
Storm stories
Memories, warnings and help from neighbors in Grugan Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grugan 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.