District No. 34 School · Photo: McGhiever · CC BY-SA 4.0For strong wind, Denmark Township’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Denmark Township gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (14%). Flood insurance has paid 49 claims here since 1978.
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 Denmark 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 Denmark Township’s grade
River and rain flooding is 70% of the building damage FEMA expects in Denmark Township, and Denmark Township’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 10% of U.S. census tracts.
B− higher expected damage per building than 52% of U.S. towns (21,298).
All of Denmark Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $913K a year in losses across Denmark Township: $669K to buildings, the rest to people and crops.
Does Denmark Township flood? Sometimes: 49 flood claims since 1978
Every paid claim on a federal flood insurance policy in Denmark Township, from FEMA’s records: 69.2 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- The Severe flooding15 claims · $234K
- The Midwest Flooding4 claims · $19K
Denmark 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: Washington County.The storms Denmark Township remembers
None of the 13 disasters declared for Washington County shows FEMA aid or repair money reaching Denmark Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 200116 flood claims paidThe year of Severe Winter Storms, Flooding, and Tornadoes, declared for Washington County
- 199713 flood claims paidThe year of Severe Flooding, High Winds,severe Storms, declared for Washington County
- 19865 flood claims paidNo declaration for the county that year
Washington County has had 13 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 Washington County, 2000–2000.
Old photos of Denmark Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Denmark Township archive →Denmark Township and its neighbors
Denmark Township is 6th of the 7 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 |
|---|---|---|---|
| Cottage Grove | B+less damage than 72% | river and rain flooding | 4 |
| Clifton | Bless damage than 59% | river and rain flooding | 25 |
| Prescott | Bless damage than 59% | river and rain flooding | 24 |
| Hastings | Bless damage than 59% | river and rain flooding | 24 |
| Afton | B−more damage than 52% | river and rain flooding | 27 |
| Denmark Township | B−more damage than 52% | river and rain flooding | 49 |
| Ravenna Township | B−more damage than 53% | river and rain flooding | — |
| Nininger Township | — | 908 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 Denmark 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 Denmark Township
Is Denmark Township at risk for natural disasters?
On FEMA’s National Risk Index, Denmark Township has higher expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Denmark Township flood?
Flood insurance has paid 49 claims in Denmark Township since 1978, $576K in all, or 69.2 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. The most claims came from Severe flooding (15).
Is Denmark 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 Washington County, 22% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Denmark Township?
FEMA’s Community Rating System list shows no discount for Denmark 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 Denmark Township?
By flood claims, Severe flooding: 15 paid, $234K.
Is Denmark Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Denmark Township’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Denmark Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Denmark 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.