Storms, floods and disasters in Merrill
Merrill isn’t graded for hazard risk: Merrill has 846 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2025.
What Merrill 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
Wildfire
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 Merrill flood? Rarely: 1 flood claim since 2025
Every paid claim on a federal flood insurance policy in Merrill, from FEMA’s records.
Merrill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Plymouth County.3 federal disasters brought FEMA money to Merrill
Disasters that paid out in Merrill itself (aid to households or repair grants to the City of Merrill), newest first, with that year’s flood claims.
- 2024Severe Storms, Flooding, Straight-line Winds, and Tornadoes3 households applied for aid$51K aid approved$129K to the City of Merrill for repairs
- 2019Severe Storms and Flooding$7K to the City of Merrill for repairs
- 2009Severe Winter Storms and Snowstorm$3K to the City of Merrill for repairs
Plymouth County has had 13 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 Merrill after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Merrill archive →Get ready for what Merrill 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Merrill
Does Merrill flood?
Flood insurance has paid 1 claim in Merrill since 2025, $23K in all.
Is Merrill 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 Plymouth County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Merrill?
FEMA’s Community Rating System list shows no discount for Merrill’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 Merrill?
By FEMA money that reached Merrill, Severe Storms, Flooding, Straight-line Winds, and Tornadoes (2024): 3 households applied for aid, $51K approved, and $129K to the City of Merrill for repairs.
Storm stories
Memories, warnings and help from neighbors in Merrill.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Merrill’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.