On FEMA’s figures, Canosia Township faces less hazard damage per building than 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Canosia Township gets a B+ for hazard risk: lower expected damage per building than 67% 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 Canosia 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 Canosia Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Canosia Township, and Canosia Township’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts.
B+ lower expected damage per building than 67% of U.S. towns (21,298).
Canosia Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $716K a year in losses across Canosia Township: $615K to buildings, the rest to people and crops.
Does Canosia Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Canosia Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Canosia 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.3 federal disasters brought FEMA money to Canosia Township
Disasters that paid out in Canosia Township itself (aid to households or repair grants to Canosia Township), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$11K to Canosia Township for repairs
- 2012Severe Storms and Flooding$18K to Canosia Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$4K to Canosia 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 Canosia Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Canosia Township archive →Canosia Township and its neighbors
Canosia Township is 5th of the 6 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 |
|---|---|---|---|
| Hermantown | A−less damage than 84% | river and rain flooding | 2 |
| Rice Lake | B+less damage than 74% | river and rain flooding | 2 |
| Duluth | B+less damage than 73% | river and rain flooding | 58 |
| Grand Lake Township | B+less damage than 70% | river and rain flooding | — |
| Canosia Township | B+less damage than 67% | river and rain flooding | 0 |
| Fredenberg Township | Bless damage than 62% | river and rain flooding | 2 |
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 Canosia 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 Canosia Township
Is Canosia Township at risk for natural disasters?
On FEMA’s National Risk Index, Canosia Township has lower expected damage per building than 67% 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 Canosia 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 Canosia Township?
FEMA’s Community Rating System list shows no discount for Canosia 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 Canosia Township?
By FEMA money that reached Canosia Township, Severe Storms and Flooding (2012): $18K to Canosia Township for repairs.
Is Canosia Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Canosia Township’s rate for it is higher than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Canosia Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Canosia 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.