FEMA expects about as much hazard damage per building in Ogden Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Ogden Township gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (67%), then tornadoes (14%). Flood insurance has paid 12 claims here since 2018.
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 Ogden 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
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.
What’s behind Ogden Township’s grade
River and rain flooding is 67% of the building damage FEMA expects in Ogden Township, and Ogden Township’s rate of river and rain flooding damage is higher than 57% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 8% of U.S. census tracts.
B− higher expected damage per building than 54% of U.S. towns (21,298).
Ogden Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Ogden Township: $715K to buildings, the rest to people and crops.
Does Ogden Township flood? Sometimes: 12 flood claims since 2018
Every paid claim on a federal flood insurance policy in Ogden Township, from FEMA’s records: 10.2 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.
Ogden 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: Riley County.The storms Ogden Township remembers
None of the 14 disasters declared for Riley County shows FEMA aid or repair money reaching Ogden Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20189 flood claims paidThe year of Severe Storms, Straight-line Winds, and Flooding, declared for Riley County
- 20252 flood claims paidNo declaration for the county that year
- 20261 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Riley County
Riley County has had 14 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 Ogden Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ogden Township archive →Ogden Township and its neighbors
Ogden Township is 4th 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 |
|---|---|---|---|
| Madison Township | A−less damage than 82% | river and rain flooding | — |
| Manhattan Township | B−more damage than 52% | river and rain flooding | — |
| Ogden | B−more damage than 54% | river and rain flooding | 15 |
| Ogden Township | B−more damage than 54% | river and rain flooding | 12 |
| Manhattan | C+more damage than 55% | river and rain flooding | 225 |
| Ashland Township | — | 87 residents; we grade 1,000+ | |
| Wildcat Township | — | 771 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 Ogden 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.
- 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 Ogden Township
Is Ogden Township at risk for natural disasters?
On FEMA’s National Risk Index, Ogden Township has higher expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (67%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Ogden Township flood?
Flood insurance has paid 12 claims in Ogden Township since 2018, $1.1M in all, or 10.2 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record.
Is Ogden 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 Riley County, 32% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.
How much is flood insurance in Ogden Township?
FEMA’s Community Rating System list shows no discount for Ogden Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Ogden Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Ogden Township’s rate for it is higher than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ogden Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ogden 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.