Photo: Andrew Filer · CC BY-SA 3.0Storms, floods and disasters in Andover Township
Andover Township isn’t graded for hazard risk: Andover Township has 119 residents; we grade towns of 1,000 or more. Flood insurance has paid 23 claims here since 1978.
What Andover 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
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.
Does Andover Township flood? Sometimes: 23 flood claims since 1978
Every paid claim on a federal flood insurance policy in Andover Township, from FEMA’s records.
Andover 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: Polk County.9 federal disasters brought FEMA money to Andover Township
Disasters that paid out in Andover Township itself (aid to households or repair grants to Andover Township), newest first, with that year’s flood claims.
- 2022Severe Storms, Straight-line Winds, and Flooding$12K to Andover Township for repairs
- 2019Severe Winter Storm, Straight-line Winds, and Flooding$15K to Andover Township for repairs2 flood claims paid that year
- 2011Severe Storms and Flooding$1K to Andover Township for repairs9 flood claims paid that year
- 2010Flooding$3K to Andover Township for repairs2 flood claims paid that year
- 2009Severe Storms and Flooding$5K to Andover Township for repairs4 flood claims paid that year
- 2006Flooding$5K to Andover Township for repairs
Show all 9
- 2002Severe Storms, Flooding and Tornadoes$44K to Andover Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$9K to Andover Township for repairs
- 1999Severe Ice Storm and Flooding$4K to Andover Township for repairs
Polk County has had 26 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.
Old photos of Andover Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Andover Township archive →Andover Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Crookston | C−more damage than 85% | river and rain flooding | 48 |
| Fairfax Township | — | 172 residents; we grade 1,000+ | |
| Roome Township | — | 143 residents; we grade 1,000+ | |
| Lowell Township | — | 284 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 Andover 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.
- 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 Andover Township
Does Andover Township flood?
Flood insurance has paid 23 claims in Andover Township since 1978, $422K in all.
Is Andover 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 Polk County, 0.5% of all homes carry federal flood insurance.
How much is flood insurance in Andover Township?
FEMA’s Community Rating System list shows no discount for Andover 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 Andover Township?
By FEMA money that reached Andover Township, Severe Storms, Flooding and Tornadoes (2002): $44K to Andover Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Andover Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Andover 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.