For hail, Sherlock Township’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Sherlock Township gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #59 of 151 in Kansas. Most of that expected damage is river and rain flooding (46%), then hail (27%). FEMA’s files show no paid flood insurance claims here.
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 Sherlock 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
Tornadoes
Strong wind
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 Sherlock Township’s grade
River and rain flooding is 46% of the building damage FEMA expects in Sherlock Township, and Sherlock Township’s rate of river and rain flooding damage is lower than 75% of U.S. census tracts. Hail adds 27%, at a rate in the top 2% of U.S. census tracts.
B− #59 of 151 in Kansas; lower expected damage per building than 52% of U.S. towns (21,298).
Sherlock Township’s residents live in 3 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, Sherlock Township has less expected damage per building than 61% of Kansas towns.
In dollars, FEMA expects about $6.8M a year in losses across Sherlock Township: $925K to buildings, the rest to people and crops.
Does Sherlock Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Sherlock Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Sherlock 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: Finney County.The storms Sherlock Township remembers
None of the 8 disasters declared for Finney County shows FEMA aid or repair money reaching Sherlock Township itself in FEMA’s records, so these are its biggest flood-claim years.
Finney County has had 8 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.
Sherlock Township and its neighbors
Sherlock Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Sherlock Township | B−less damage than 52% | river and rain flooding | 0 |
| Garden City Township | B−more damage than 55% | river and rain flooding | 2 |
| Ivanhoe Township | — | 212 residents; we grade 1,000+ | |
| Terry Township | — | 241 residents; we grade 1,000+ | |
| Southside Township | — | 224 residents; we grade 1,000+ | |
| Deerfield Township | — | 829 residents; we grade 1,000+ | |
| East Hibbard Township | — | 90 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 Sherlock 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Sherlock Township
Is Sherlock Township at risk for natural disasters?
On FEMA’s National Risk Index, Sherlock Township has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #59 of 151 in Kansas. Most of the expected damage is river and rain flooding (46%) and hail (27%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Sherlock 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 Finney County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Sherlock Township?
FEMA’s Community Rating System list shows no discount for Sherlock Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sherlock Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (46%), and Sherlock Township’s rate for it is lower than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sherlock Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sherlock 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.