FEMA expects more hazard damage per building in Decoria Township than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Decoria Township gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 14 claims here since 1993.
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 Decoria 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
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 Decoria Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Decoria Township, and Decoria Township’s rate of river and rain flooding damage is higher than 88% of U.S. census tracts. Tornadoes add 8%, at a rate in the top 10% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
Decoria Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $927K a year in losses across Decoria Township: $615K to buildings, the rest to people and crops.
Does Decoria Township flood? Sometimes: 14 flood claims since 1993
Every paid claim on a federal flood insurance policy in Decoria Township, from FEMA’s records: 28.9 per 1,000 homes, more than 88% of the 13,809 U.S. towns with a flood insurance record.
- The June Midwest Flooding1 claim · $7K
Decoria 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: Blue Earth County.5 federal disasters brought FEMA money to Decoria Township
Disasters that paid out in Decoria Township itself (aid to households or repair grants to Decoria Township), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding$128K to Decoria Township for repairs1 flood claim paid that year
- 2016Severe Storms and Flooding$172K to Decoria Township for repairs4 flood claims paid that year
- 2014Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$111K to Decoria Township for repairs1 flood claim paid that year
- 2010Severe Storms and Flooding$25K to Decoria Township for repairs
- 2010Severe Storms, Tornadoes, and Flooding$16K to Decoria Township for repairs
Blue Earth County has had 20 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.
Old photos of Decoria Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Decoria Township archive →Decoria Township and its neighbors
Decoria Township is 3rd of the 3 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 |
|---|---|---|---|
| Mankato Township | B−more damage than 53% | river and rain flooding | 5 |
| Rapidan Township | C−more damage than 80% | river and rain flooding | — |
| Decoria Township | C−more damage than 83% | river and rain flooding | 14 |
| Beauford Township | — | 427 residents; we grade 1,000+ | |
| McPherson Township | — | 346 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 Decoria 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.
- 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 Decoria Township
Is Decoria Township at risk for natural disasters?
On FEMA’s National Risk Index, Decoria Township has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Decoria Township flood?
Flood insurance has paid 14 claims in Decoria Township since 1993, $249K in all, or 28.9 per 1,000 homes, more than 88% of U.S. towns with a flood insurance record. The most claims came from June Midwest Flooding (1).
Is Decoria 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 Blue Earth County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Decoria Township?
FEMA’s Community Rating System list shows no discount for Decoria 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 Decoria Township?
By FEMA money that reached Decoria Township, Severe Storms and Flooding (2016): $172K to Decoria Township for repairs. By flood claims, June Midwest Flooding: 1 paid, $7K.
Is Decoria Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Decoria Township’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Decoria Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Decoria 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.