Photo: Barney, Paul · Public domainCastle Rock Township’s building-damage rate from strong wind is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Castle Rock Township gets a B for hazard risk: lower expected damage per building than 61% of U.S. towns. Most of that expected damage is river and rain flooding (63%), then tornadoes (15%). Flood insurance has paid 1 claim here since 1998.
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 Castle Rock 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
Strong wind
Hail
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 Castle Rock Township’s grade
River and rain flooding is 63% of the building damage FEMA expects in Castle Rock Township, and Castle Rock Township’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts. Strong wind adds 14%, at a rate in the top 2% of U.S. census tracts.
B lower expected damage per building than 61% of U.S. towns (21,298).
Castle Rock Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $623K a year in losses across Castle Rock Township: $443K to buildings, the rest to people and crops.
Does Castle Rock Township flood? Rarely: 1 flood claim since 1998
Every paid claim on a federal flood insurance policy in Castle Rock Township, from FEMA’s records: 1.9 per 1,000 homes, fewer than 63% of the 13,809 U.S. towns with a flood insurance record.
Castle Rock 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: Dakota County.1 federal disaster brought FEMA money to Castle Rock Township
Disasters that paid out in Castle Rock Township itself (aid to households or repair grants to Castle Rock Township), newest first, with that year’s flood claims.
- 2012Severe Storms and Flooding$12K to Castle Rock Township for repairs
Dakota County has had 13 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 Castle Rock Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Castle Rock Township archive →Castle Rock Township and its neighbors
Castle Rock Township is 2nd 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 |
|---|---|---|---|
| Eureka Township | Bless damage than 64% | river and rain flooding | 4 |
| Castle Rock Township | Bless damage than 61% | river and rain flooding | 1 |
| Empire | B−less damage than 55% | river and rain flooding | 1 |
| Farmington | B−more damage than 53% | river and rain flooding | 2 |
| Hampton Township | — | 829 residents; we grade 1,000+ | |
| Sciota Township | — | 471 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 Castle Rock 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Castle Rock Township
Is Castle Rock Township at risk for natural disasters?
On FEMA’s National Risk Index, Castle Rock Township has lower expected damage per building than 61% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (63%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Castle Rock Township flood?
Flood insurance has paid 1 claim in Castle Rock Township since 1998, $5K in all, or 1.9 per 1,000 homes, fewer than 63% of U.S. towns with a flood insurance record.
Is Castle Rock 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 Dakota County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Castle Rock Township?
FEMA’s Community Rating System list shows no discount for Castle Rock 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 Castle Rock Township?
By FEMA money that reached Castle Rock Township, Severe Storms and Flooding (2012): $12K to Castle Rock Township for repairs.
Is Castle Rock Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (63%), and Castle Rock Township’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Castle Rock Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Castle Rock 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.