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B+Hazard risk
Natural hazards in Acoma Township · FEMA

FEMA puts Acoma Township’s expected hazard damage per building below that of 67% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Acoma Township gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (16%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 70%Tornadoes 16%Hail 7%

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

less than 67%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Minnesota · lower than 67% of U.S. towns
Main hazard
River and rain flooding
70% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 15 declared for McLeod County
By hazard

What Acoma 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

70%of expected building damage
About average · lower than 57% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

16%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once every 10 years in the area

Hail

7%of expected building damage
Well above average · higher than 86% of U.S. census tracts
Recorded about 6 times a year in the area
Smaller shares here
 Strong wind Ice storms Wildfire Earthquakes Heat waves top 3% Lightning Winter storms Cold waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 22% of Acoma Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Acoma Township’s grade

River and rain flooding is 70% of the building damage FEMA expects in Acoma Township, and Acoma Township’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 10% of U.S. census tracts.

Where Acoma Township sits
Acoma Township
Least damageMiddleMost damage

B+ lower expected damage per building than 67% of U.S. towns (21,298).

Acoma Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding70%Tornadoes16%Hail7%Everything else6%

In dollars, FEMA expects about $533K a year in losses across Acoma Township: $284K to buildings, the rest to people and crops.

A small-area figure. Acoma Township covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Acoma Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Acoma Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Acoma 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: McLeod County.
Disasters

2 federal disasters brought FEMA money to Acoma Township

Disasters that paid out in Acoma Township itself (aid to households or repair grants to Acoma Township), newest first, with that year’s flood claims.

  1. 2019Severe Winter Storm, Straight-line Winds, and Flooding$82K to Acoma Township for repairs
  2. 2013Severe Storms, Straight-line Winds, and Flooding$9K to Acoma Township for repairs
Disasters declared, by decade
Paid out in Acoma TownshipMcLeod County only

McLeod County has had 15 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Acoma Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Acoma Township archive →
Next door

Acoma Township and its neighbors

Acoma Township is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Hutchinson: hazard risk B+Cedar Mills Township: not gradedLynn Township: not gradedEllsworth Township: not gradedHutchinson Township: hazard risk B+HutchinsonCedar Mills TownshipLynn TownshipEllsworth TownshipHutchinson TownshipAcoma Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Hutchinson TownshipB+less damage than 68%river and rain flooding—
Acoma TownshipB+less damage than 67%river and rain flooding0
HutchinsonB+less damage than 67%river and rain flooding4
Cedar Mills Township—397 residents; we grade 1,000+
Lynn Township—378 residents; we grade 1,000+
Ellsworth Township—792 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.

Be ready

Get ready for what Acoma 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Acoma Township

Is Acoma Township at risk for natural disasters?

On FEMA’s National Risk Index, Acoma Township has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Acoma 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 McLeod County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Acoma Township?

FEMA’s Community Rating System list shows no discount for Acoma 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 Acoma Township?

By FEMA money that reached Acoma Township, Severe Winter Storm, Straight-line Winds, and Flooding (2019): $82K to Acoma Township for repairs.

Is Acoma Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (70%), and Acoma Township’s rate for it is lower than 57% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Acoma Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Acoma 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.