Storms, floods and disasters in Culdrum Township
Culdrum Township isn’t graded for hazard risk: Culdrum Township has 414 residents; we grade towns of 1,000 or more.
What Culdrum 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.
Does Culdrum Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Culdrum Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Culdrum 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: Morrison County.2 federal disasters brought FEMA money to Culdrum Township
Disasters that paid out in Culdrum Township itself (aid to households or repair grants to Culdrum Township), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$4K to Culdrum Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$9K to Culdrum Township for repairs
Morrison County has had 10 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 Morrison County, 2000–2000.
Old photos of Culdrum Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Culdrum Township archive →Culdrum Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Parker Township | — | 531 residents; we grade 1,000+ | |
| Bruce Township | — | 465 residents; we grade 1,000+ | |
| Flensburg | — | 199 residents; we grade 1,000+ | |
| Swanville Township | — | 481 residents; we grade 1,000+ | |
| Pike Creek Township | — | 925 residents; we grade 1,000+ | |
| Burnhamville Township | — | 782 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 Culdrum 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 Culdrum Township
Is Culdrum 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 Morrison County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Culdrum Township?
FEMA’s Community Rating System list shows no discount for Culdrum 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 Culdrum Township?
By FEMA money that reached Culdrum Township, Severe Winter Storms, Flooding, and Tornadoes (2001): $9K to Culdrum Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Culdrum Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Culdrum 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.