More hazard damage per building is expected in Baker Township than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Baker Township gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns, #146 of 151 in Kansas. Most of that expected damage is river and rain flooding (76%). Flood insurance has paid 69 claims here since 1985.
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 Baker 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
Ice storms
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 Baker Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Baker Township, and Baker Township’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts. Tornadoes add 9%, at a rate in the top 6% of U.S. census tracts.
D #146 of 151 in Kansas; higher expected damage per building than 86% of U.S. towns (21,298).
Baker Township’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Kansas town has higher expected damage than 54% of U.S. towns; within the state, Baker Township has more expected damage per building than 97% of Kansas towns.
In dollars, FEMA expects about $2.6M a year in losses across Baker Township: $1.8M to buildings, the rest to people and crops.
Does Baker Township flood? Sometimes: 69 flood claims since 1985
Every paid claim on a federal flood insurance policy in Baker Township, from FEMA’s records: 44.6 per 1,000 homes, more than 92% of the 13,809 U.S. towns with a flood insurance record.
- The Thunderstorms3 claims · $52K
Baker 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 Baker Township remembers
None of the 20 disasters declared for Crawford County shows FEMA aid or repair money reaching Baker Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199416 flood claims paidNo declaration for the county that year
- 199313 flood claims paidThe year of Severe Storms and Flooding, declared for Crawford County
- 201310 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Crawford County
Crawford County has had 20 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 Baker Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Baker Township archive →Baker Township and its neighbors
Baker Township is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Washington Township | C+more damage than 62% | river and rain flooding | 14 |
| Frontenac | Cmore damage than 68% | river and rain flooding | — |
| Sheridan Township | Cmore damage than 71% | river and rain flooding | — |
| Pittsburg | C−more damage than 75% | river and rain flooding | 49 |
| Baker Township | Dmore damage than 86% | river and rain flooding | 69 |
| Pleasant View Township | — | 294 residents; we grade 1,000+ | |
| South West Township | — | 763 residents; we grade 1,000+ | |
| Opolis | — | 35 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 Baker 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Baker Township
Is Baker Township at risk for natural disasters?
On FEMA’s National Risk Index, Baker Township has higher expected damage per building than 86% of U.S. towns: D for hazard risk, #146 of 151 in Kansas. Most of the expected damage is river and rain flooding (76%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Baker Township flood?
Flood insurance has paid 69 claims in Baker Township since 1985, $1.1M in all, or 44.6 per 1,000 homes, more than 92% of U.S. towns with a flood insurance record. The most claims came from Thunderstorms (3).
Is Baker 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, 9% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Baker Township?
FEMA’s Community Rating System list shows no discount for Baker 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 Baker Township?
By flood claims, Thunderstorms: 3 paid, $52K.
Is Baker Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Baker Township’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Baker Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Baker 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.