FEMA expects about as much hazard damage per building in Borgholm Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Borgholm Township gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 1 claim here since 2001.
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 Borgholm 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 Borgholm Township’s grade
River and rain flooding is 83% of the building damage FEMA expects in Borgholm Township, and Borgholm 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 59% of U.S. towns (21,298).
Borgholm Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $673K a year in losses across Borgholm Township: $465K to buildings, the rest to people and crops.
Does Borgholm Township flood? Rarely: 1 flood claim since 2001
Every paid claim on a federal flood insurance policy in Borgholm Township, from FEMA’s records: 1.4 per 1,000 homes, fewer than 70% of the 13,809 U.S. towns with a flood insurance record.
- The Severe flooding1 claim · $5K
Borgholm 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: Mille Lacs County.1 federal disaster brought FEMA money to Borgholm Township
Disasters that paid out in Borgholm Township itself (aid to households or repair grants to Borgholm Township), newest first, with that year’s flood claims.
- 2001Severe Winter Storms, Flooding, and Tornadoes$17K to Borgholm Township for repairs1 flood claim paid that year
Mille Lacs County has had 7 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 Borgholm Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Borgholm Township archive →Borgholm Township and its neighbors
Borgholm Township is 3rd of the 4 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 |
|---|---|---|---|
| Milaca | C+more damage than 55% | river and rain flooding | 3 |
| Milaca Township | C+more damage than 56% | river and rain flooding | 3 |
| Borgholm Township | C+more damage than 59% | river and rain flooding | 1 |
| Bogus Brook Township | C+more damage than 62% | river and rain flooding | — |
| South Fork Township | — | 839 residents; we grade 1,000+ | |
| Hayland Township | — | 477 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 Borgholm 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 Borgholm Township
Is Borgholm Township at risk for natural disasters?
On FEMA’s National Risk Index, Borgholm Township has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (83%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Borgholm Township flood?
Flood insurance has paid 1 claim in Borgholm Township since 2001, $5K in all, or 1.4 per 1,000 homes, fewer than 70% of U.S. towns with a flood insurance record. The most claims came from Severe flooding (1).
Is Borgholm 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 Mille Lacs County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Borgholm Township?
FEMA’s Community Rating System list shows no discount for Borgholm 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 Borgholm Township?
By FEMA money that reached Borgholm Township, Severe Winter Storms, Flooding, and Tornadoes (2001): $17K to Borgholm Township for repairs. By flood claims, Severe flooding: 1 paid, $5K.
Is Borgholm Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Borgholm Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Borgholm Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Borgholm 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.