Photo: Nyttend · Public domainOn FEMA’s figures, Lamotte Township faces more hazard damage per building than 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lamotte Township gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then earthquakes (22%). Flood insurance has paid 8 claims here since 2006.
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 Lamotte 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
Earthquakes
Tornadoes
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 Lamotte Township’s grade
River and rain flooding is 62% of the building damage FEMA expects in Lamotte Township, and Lamotte Township’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 8% of U.S. census tracts.
C+ higher expected damage per building than 61% of U.S. towns (21,298).
All of Lamotte Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.5M a year in losses across Lamotte Township: $1.1M to buildings, the rest to people and crops.
Does Lamotte Township flood? Rarely: 8 flood claims since 2006
Every paid claim on a federal flood insurance policy in Lamotte Township, from FEMA’s records: 8.7 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms2 claims · $9K
Lamotte 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: Crawford County.The storms Lamotte Township remembers
None of the 6 disasters declared for Crawford County shows FEMA aid or repair money reaching Lamotte Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20084 flood claims paidThe year of Severe Storms and Flooding, declared for Crawford County
- 20132 flood claims paidThe year of Severe Storms, Straight-line Winds, and Flooding, declared for Crawford County
- 20061 flood claims paidNo declaration for the county that year
Crawford County has had 6 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 Lamotte Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lamotte Township archive →Lamotte Township and its neighbors
Lamotte Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lamotte Township | C+more damage than 61% | river and rain flooding | 8 |
| Gill Township | — | not graded yet | |
| Montgomery Township | — | 654 residents; we grade 1,000+ | |
| Hutsonville Township | — | not graded yet | |
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 Lamotte 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Lamotte Township
Is Lamotte Township at risk for natural disasters?
On FEMA’s National Risk Index, Lamotte Township has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (62%) and earthquakes (22%). 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.
Does Lamotte Township flood?
Flood insurance has paid 8 claims in Lamotte Township since 2006, $115K in all, or 8.7 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (2).
Is Lamotte 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 Crawford County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Lamotte Township?
FEMA’s Community Rating System list shows no discount for Lamotte 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 Lamotte Township?
By flood claims, Mid-spring storms: 2 paid, $9K.
Is Lamotte Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Lamotte Township’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lamotte Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lamotte 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.