FEMA expects about as much hazard damage per building in Brevator Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Brevator Township gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (95%). 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 Brevator 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 Brevator Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Brevator Township, and Brevator Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts.
B− lower expected damage per building than 54% of U.S. towns (21,298).
Brevator Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $366K a year in losses across Brevator Township: $326K to buildings, the rest to people and crops.
Does Brevator Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Brevator Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Brevator 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: St. Louis County.2 federal disasters brought FEMA money to Brevator Township
Disasters that paid out in Brevator Township itself (aid to households or repair grants to Brevator Township), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$10K to Brevator Township for repairs
- 2012Severe Storms and Flooding$26K to Brevator Township for repairs
St. Louis County has had 13 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in St. Louis County, 2025–2025.
Old photos of Brevator Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Brevator Township archive →Brevator Township and its neighbors
Brevator Township is 2nd of the 3 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 |
|---|---|---|---|
| Solway Township | A−less damage than 76% | river and rain flooding | 3 |
| Brevator Township | B−less damage than 54% | river and rain flooding | 0 |
| Cloquet | C+more damage than 64% | river and rain flooding | 1 |
| Stoney Brook Township | — | 302 residents; we grade 1,000+ | |
| Industrial Township | — | 680 residents; we grade 1,000+ | |
| Mahnomen | — | 195 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 Brevator 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 Brevator Township
Is Brevator Township at risk for natural disasters?
On FEMA’s National Risk Index, Brevator Township has lower expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (95%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Brevator 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 St. Louis County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Brevator Township?
FEMA’s Community Rating System list shows no discount for Brevator 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 Brevator Township?
By FEMA money that reached Brevator Township, Severe Storms and Flooding (2012): $26K to Brevator Township for repairs.
Is Brevator Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Brevator Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Brevator Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Brevator 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.