For hail, Township 11’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Township 11 gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns. Most of that expected damage is river and rain flooding (27%), 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 Township 11 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 Township 11’s grade
River and rain flooding is 27% of the building damage FEMA expects in Township 11, and Township 11’s rate of river and rain flooding damage is lower than 92% of U.S. census tracts. Hail adds 27%, at a rate in the top 2% of U.S. census tracts.
C+ higher expected damage per building than 61% of U.S. towns (21,298).
Township 11’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $2.8M a year in losses across Township 11: $1.2M to buildings, the rest to people and crops.
Does Township 11 flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Township 11. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Township 11 isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rooks County.The storms Township 11 remembers
None of the 14 disasters declared for Rooks County shows FEMA aid or repair money reaching Township 11 itself in FEMA’s records, so these are its biggest flood-claim years.
Rooks County has had 14 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Rooks County, 2017–2017.
Township 11 and its neighbors
Township 11 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 |
|---|---|---|---|
| Township 11 | C+more damage than 61% | river and rain flooding | 0 |
| Buckeye Township | Cmore damage than 68% | river and rain flooding | 3 |
| Township 12 | — | 103 residents; we grade 1,000+ | |
| Township 10 | — | 108 residents; we grade 1,000+ | |
| Township 2 | — | 342 residents; we grade 1,000+ | |
| Township 4 | — | 19 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 Township 11 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 Township 11
Is Township 11 at risk for natural disasters?
On FEMA’s National Risk Index, Township 11 has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (27%) and hail (27%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Township 11 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 Rooks County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Township 11?
FEMA’s Community Rating System list shows no discount for Township 11’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Township 11 at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (27%), and Township 11’s rate for it is lower than 92% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Township 11.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Township 11’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.