Lock and Dam No. 18 Historic District · Photo: US Army Corps of Engineers, Unknown Photographer · Public domainStorms, floods and disasters in Gladstone Township
Gladstone Township isn’t graded for hazard risk: Gladstone Township has 732 residents; we grade towns of 1,000 or more. Flood insurance has paid 110 claims here since 1982.
What Gladstone 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
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 Gladstone Township flood? Yes: 110 flood claims since 1982
Every paid claim on a federal flood insurance policy in Gladstone Township, from FEMA’s records.
- The Midwest Flooding15 claims · $183K
- The Mid-spring storms8 claims · $170K
Gladstone 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: Henderson County.The storms Gladstone Township remembers
None of the 13 disasters declared for Henderson County shows FEMA aid or repair money reaching Gladstone Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 200835 flood claims paidThe year of Severe Storms and Flooding, declared for Henderson County
- 199318 flood claims paidThe year of Severe Storms and Flooding, declared for Henderson County
- 201414 flood claims paidNo declaration for the county that year
Henderson County has had 13 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Gladstone Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gladstone Township archive →Gladstone 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 |
|---|---|---|---|
| Burlington | B−less damage than 55% | river and rain flooding | 170 |
| Stronghurst Township | Dmore damage than 90% | river and rain flooding | — |
| Oquawka Township | Dmore damage than 93% | river and rain flooding | — |
| Biggsville Township | — | 494 residents; we grade 1,000+ | |
| Carman Township | — | 483 residents; we grade 1,000+ | |
| Gulfport | — | 92 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 Gladstone 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.
- 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 Gladstone Township
Does Gladstone Township flood?
Flood insurance has paid 110 claims in Gladstone Township since 1982, $3.9M in all. The most claims came from Midwest Flooding (15).
Is Gladstone 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 Henderson County, 33% of homes in mapped flood zones carry federal flood insurance, and 2.1% of all homes do.
How much is flood insurance in Gladstone Township?
FEMA’s Community Rating System list shows no discount for Gladstone 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 Gladstone Township?
By flood claims, Midwest Flooding: 15 paid, $183K.
Storm stories
Memories, warnings and help from neighbors in Gladstone Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gladstone 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.