Photo: Jon Roanhaus · CC BY-SA 4.0More hazard damage per building is expected in Stafford Township than in 73% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Stafford Township gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (36%), then wildfire (30%). 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 stands out about Stafford Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Stafford 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
Wildfire
Tornadoes
Hail
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 Stafford Township’s grade
River and rain flooding is 36% of the building damage FEMA expects in Stafford Township, and Stafford Township’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Wildfire adds 30%, at a rate in the top 2% of U.S. census tracts.
C higher expected damage per building than 73% of U.S. towns (21,298).
All of Stafford Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $2.5M a year in losses across Stafford Township: $838K to buildings, the rest to people and crops.
Does Stafford Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Stafford Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
1 federal disaster brought FEMA money to Stafford Township
Disasters that paid out in Stafford Township itself (aid to households or repair grants to Stafford Township), newest first, with that year’s flood claims.
- 2007Severe Storms, Tornadoes, and Flooding3 households applied for aid$751 aid approved
Stafford County has had 22 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 Stafford Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stafford Township archive →Stafford Township and its neighbors
Stafford 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 |
|---|---|---|---|
| Stafford Township | Cmore damage than 73% | river and rain flooding | 0 |
| Fairview Township | — | 95 residents; we grade 1,000+ | |
| Ohio Township | — | 234 residents; we grade 1,000+ | |
| Union Township | — | 19 residents; we grade 1,000+ | |
| West Cooper Township | — | 68 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 Stafford 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.
- 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.
- 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.
- 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.
- 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 Stafford Township
Is Stafford Township at risk for natural disasters?
On FEMA’s National Risk Index, Stafford Township has higher expected damage per building than 73% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (36%) and wildfire (30%). 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.
Is Stafford 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.
How much is flood insurance in Stafford Township?
FEMA’s Community Rating System list shows no discount for Stafford 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 Stafford Township?
By FEMA money that reached Stafford Township, Severe Storms, Tornadoes, and Flooding (2007): 3 households applied for aid, $751 approved.
Is Stafford Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (36%), and Stafford Township’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stafford Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stafford 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.