Storms, floods and disasters in Sugar Ridge Township
Sugar Ridge Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Sugar Ridge Township yet. Flood insurance has paid 7 claims here since 2005.
What Sugar Ridge 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
Earthquakes
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 Sugar Ridge Township flood? Rarely: 7 flood claims since 2005
Every paid claim on a federal flood insurance policy in Sugar Ridge Township, from FEMA’s records.
- The Storm3 claims · $97K
- The Central U.S. April Flooding1 claim · $70K
- The Mid-spring storms1 claim · $2K
Sugar Ridge 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: Clay County.The storms Sugar Ridge Township remembers
None of the 17 disasters declared for Clay County shows FEMA aid or repair money reaching Sugar Ridge Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20083 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Clay County
- 20051 flood claims paidThe year of Severe Winter Storms and Flooding, declared for Clay County
- 20111 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and, declared for Clay County
Clay County has had 17 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 Sugar Ridge Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sugar Ridge Township archive →Sugar Ridge 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 |
|---|---|---|---|
| Harrison Township | C+more damage than 56% | river and rain flooding | 1 |
| Perry Township | — | not graded yet | |
| Washington Township | — | 906 residents; we grade 1,000+ | |
| Saline City | — | 329 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 Sugar Ridge 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Sugar Ridge Township
Does Sugar Ridge Township flood?
Flood insurance has paid 7 claims in Sugar Ridge Township since 2005, $213K in all. The most claims came from Storm (3).
Is Sugar Ridge 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 Clay County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Sugar Ridge Township?
FEMA’s Community Rating System list shows no discount for Sugar Ridge 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 Sugar Ridge Township?
By flood claims, Storm: 3 paid, $97K.
Storm stories
Memories, warnings and help from neighbors in Sugar Ridge Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sugar Ridge 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.