FEMA expects less hazard damage per building in Blackhoof Township than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Blackhoof Township gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns. Most of that expected damage is river and rain flooding (92%). 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 Blackhoof 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.
What’s behind Blackhoof Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Blackhoof Township, and Blackhoof Township’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts.
B lower expected damage per building than 62% of U.S. towns (21,298).
Blackhoof Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $811K a year in losses across Blackhoof Township: $276K to buildings, the rest to people and crops.
Does Blackhoof Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Blackhoof Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Blackhoof 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: Carlton County.2 federal disasters brought FEMA money to Blackhoof Township
Disasters that paid out in Blackhoof Township itself (aid to households or repair grants to Blackhoof Township), newest first, with that year’s flood claims.
- 2018Severe Storms, Tornadoes, Straight-line Winds, and Flooding$14K to Blackhoof Township for repairs
- 2012Severe Storms and Flooding$36K to Blackhoof Township for repairs
Carlton County has had 6 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 Blackhoof Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Blackhoof Township archive →Blackhoof Township and its neighbors
Blackhoof Township has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Blackhoof Township | Bless damage than 62% | river and rain flooding | 0 |
| Barnum Township | B−less damage than 52% | river and rain flooding | 2 |
| Twin Lakes Township | B−more damage than 54% | river and rain flooding | — |
| Mahtowa Township | — | 690 residents; we grade 1,000+ | |
| Wrenshall Township | — | 422 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 Blackhoof 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 Blackhoof Township
Is Blackhoof Township at risk for natural disasters?
On FEMA’s National Risk Index, Blackhoof Township has lower expected damage per building than 62% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Blackhoof 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 Carlton County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Blackhoof Township?
FEMA’s Community Rating System list shows no discount for Blackhoof 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 Blackhoof Township?
By FEMA money that reached Blackhoof Township, Severe Storms and Flooding (2012): $36K to Blackhoof Township for repairs.
Is Blackhoof Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Blackhoof Township’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Blackhoof Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Blackhoof 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.