Lake Carlos State Park WPA/Rustic Style Historic District · Photo: McGhiever · CC BY-SA 3.0FEMA puts Carlos Township’s expected hazard damage per building below that of 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Carlos Township gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (80%), then tornadoes (13%). 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 Carlos 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 Carlos Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Carlos Township, and Carlos Township’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Winter storms add 1%, at a rate in the top 4% of U.S. census tracts.
B+ lower expected damage per building than 72% of U.S. towns (21,298).
Carlos Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.0M a year in losses across Carlos Township: $645K to buildings, the rest to people and crops.
Does Carlos Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Carlos Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Carlos 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: Douglas County.2 federal disasters brought FEMA money to Carlos Township
Disasters that paid out in Carlos Township itself (aid to households or repair grants to Carlos Township), newest first, with that year’s flood claims.
- 2022Severe Storms, Straight-line Winds, Tornadoes, and Flooding$29K to Carlos Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$7K to Carlos Township for repairs
Douglas County has had 10 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Carlos Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Carlos Township archive →Carlos Township and its neighbors
Carlos Township is 4th 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 |
|---|---|---|---|
| Alexandria | A+less damage than 97% | river and rain flooding | — |
| Alexandria Township | A−less damage than 83% | river and rain flooding | — |
| Ida Township | B+less damage than 73% | river and rain flooding | — |
| Carlos Township | B+less damage than 72% | river and rain flooding | 0 |
| Miltona Township | — | 920 residents; we grade 1,000+ | |
| Belle River Township | — | 406 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 Carlos 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 Carlos Township
Is Carlos Township at risk for natural disasters?
On FEMA’s National Risk Index, Carlos Township has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (80%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Carlos 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 Douglas County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Carlos Township?
FEMA’s Community Rating System list shows no discount for Carlos 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 Carlos Township?
By FEMA money that reached Carlos Township, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2022): $29K to Carlos Township for repairs.
Is Carlos Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Carlos Township’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Carlos Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Carlos 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.