On FEMA’s figures, Arthur Township faces more hazard damage per building than 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Arthur Township 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 (82%). 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 Arthur 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
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 Arthur Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Arthur Township, and Arthur Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 8% of U.S. census tracts.
C+ higher expected damage per building than 61% of U.S. towns (21,298).
Arthur Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $975K a year in losses across Arthur Township: $640K to buildings, the rest to people and crops.
Does Arthur Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Arthur Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Arthur 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: Kanabec County.1 federal disaster brought FEMA money to Arthur Township
Disasters that paid out in Arthur Township itself (aid to households or repair grants to Arthur Township), newest first, with that year’s flood claims.
- 2018Severe Storms, Tornadoes, Straight-line Winds, and Flooding$40K to Arthur Township for repairs
Kanabec County has had 8 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 Arthur Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Arthur Township archive →Arthur Township and its neighbors
Arthur Township is 3rd of the 5 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 |
|---|---|---|---|
| Mora | B−more damage than 51% | river and rain flooding | 3 |
| Knife Lake Township | B−more damage than 54% | river and rain flooding | — |
| Arthur Township | C+more damage than 61% | river and rain flooding | 0 |
| Comfort Township | C+more damage than 65% | river and rain flooding | — |
| Brunswick Township | Cmore damage than 66% | river and rain flooding | — |
| Kanabec Township | — | not graded yet | |
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 Arthur 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.
- 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 Arthur Township
Is Arthur Township at risk for natural disasters?
On FEMA’s National Risk Index, Arthur Township 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 (82%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Arthur 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 Kanabec County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Arthur Township?
FEMA’s Community Rating System list shows no discount for Arthur 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 Arthur Township?
By FEMA money that reached Arthur Township, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2018): $40K to Arthur Township for repairs.
Is Arthur Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Arthur Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Arthur Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Arthur 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.