FEMA expects more hazard damage per building in Center Township than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Center Township gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (92%). 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 Center 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 Center Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Center Township, and Center Township’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts.
C higher expected damage per building than 72% of U.S. towns (21,298).
Center Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $726K a year in losses across Center Township: $565K to buildings, the rest to people and crops.
Does Center Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Center Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Center 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: Crow Wing County.1 federal disaster brought FEMA money to Center Township
Disasters that paid out in Center Township itself (aid to households or repair grants to Center Township), newest first, with that year’s flood claims.
- 2001Severe Winter Storms, Flooding, and Tornadoes$2K to Center Township for repairs
Crow Wing County has had 9 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 Crow Wing County, 2002–2002.
Old photos of Center Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Center Township archive →Center Township and its neighbors
Center 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 |
|---|---|---|---|
| Irondale Township | B+less damage than 68% | river and rain flooding | — |
| Oak Lawn Township | Bless damage than 60% | river and rain flooding | — |
| Lake Edward Township | C+more damage than 58% | river and rain flooding | — |
| Center Township | Cmore damage than 72% | river and rain flooding | 0 |
| Wolford Township | — | 409 residents; we grade 1,000+ | |
| Mission Township | — | 783 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 Center 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 Center Township
Is Center Township at risk for natural disasters?
On FEMA’s National Risk Index, Center Township has higher expected damage per building than 72% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Center 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 Crow Wing County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Center Township?
FEMA’s Community Rating System list shows no discount for Center 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 Center Township?
By FEMA money that reached Center Township, Severe Winter Storms, Flooding, and Tornadoes (2001): $2K to Center Township for repairs.
Is Center Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Center Township’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Center Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Center 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.