FEMA expects about as much hazard damage per building in Valley Brook Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Valley Brook Township gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (59%), then tornadoes (14%). 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 Valley Brook 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
Hail
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 Valley Brook Township’s grade
River and rain flooding is 59% of the building damage FEMA expects in Valley Brook Township, and Valley Brook Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 7% of U.S. census tracts.
C+ higher expected damage per building than 58% of U.S. towns (21,298).
All of Valley Brook Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.1M a year in losses across Valley Brook Township: $553K to buildings, the rest to people and crops.
Does Valley Brook Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Valley Brook Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Valley Brook 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: Osage County.8 federal disasters brought FEMA money to Valley Brook Township
Disasters that paid out in Valley Brook Township itself (aid to households or repair grants to Valley Brook Township), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$140K to Valley Brook Township for repairs
- 2019Severe Storms, Straight-line Winds, Tornadoes, Flooding,landslides,and Mudslides$42K to Valley Brook Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$34K to Valley Brook Township for repairs
- 2013Snowstorm$3K to Valley Brook Township for repairs
- 2010Severe Storms, Flooding, and Tornadoes$10K to Valley Brook Township for repairs
- 2009Severe Winter Storms and Snowstorm$21K to Valley Brook Township for repairs
Show all 8
- 2007Severe Storms and Flooding$4K to Valley Brook Township for repairs
- 2007Severe Storms, Tornadoes, and Flooding$12K to Valley Brook Township for repairs
Osage 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 Valley Brook Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Valley Brook Township archive →Valley Brook Township and its neighbors
Valley Brook Township is 2nd of the 2 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 |
|---|---|---|---|
| Junction Township | C+more damage than 58% | river and rain flooding | 5 |
| Valley Brook Township | C+more damage than 58% | river and rain flooding | 0 |
| Agency Township | — | 465 residents; we grade 1,000+ | |
| Fairfax Township | — | 476 residents; we grade 1,000+ | |
| Superior Township | — | 282 residents; we grade 1,000+ | |
| Olivet Township | — | 434 residents; we grade 1,000+ | |
| Melvern Township | — | 655 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 Valley Brook 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.
- 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.
- 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 Valley Brook Township
Is Valley Brook Township at risk for natural disasters?
On FEMA’s National Risk Index, Valley Brook Township has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (59%) and tornadoes (14%). 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 Valley Brook 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 Osage County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Valley Brook Township?
FEMA’s Community Rating System list shows no discount for Valley Brook 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 Valley Brook Township?
By FEMA money that reached Valley Brook Township, Severe Winter Storm (2024): $140K to Valley Brook Township for repairs.
Is Valley Brook Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Valley Brook Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Valley Brook Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Valley Brook 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.