Less hazard damage per building is expected in Farden Township than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Farden Township gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (87%). 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 Farden 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
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 Farden Township’s grade
River and rain flooding is 87% of the building damage FEMA expects in Farden Township, and Farden Township’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Winter storms add 2%, at a rate in the top 3% of U.S. census tracts.
B+ lower expected damage per building than 72% of U.S. towns (21,298).
All of Farden Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $367K a year in losses across Farden Township: $253K to buildings, the rest to people and crops.
Does Farden Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Farden Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Farden 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: Hubbard County.2 federal disasters brought FEMA money to Farden Township
Disasters that paid out in Farden Township itself (aid to households or repair grants to Farden Township), newest first, with that year’s flood claims.
- 2009Severe Storms and Flooding$21K to Farden Township for repairs
- 2002Severe Storms, Flooding and Tornadoes$39K to Farden Township for repairs
Hubbard County has had 7 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 Farden Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Farden Township archive →Farden Township and its neighbors
Farden Township is 3rd 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 |
|---|---|---|---|
| Pike Bay Township | A+among the lowest damage | river and rain flooding | — |
| Helga Township | B+less damage than 72% | river and rain flooding | — |
| Farden Township | B+less damage than 72% | river and rain flooding | 0 |
| Frohn Township | C+more damage than 60% | river and rain flooding | — |
| Hart Lake Township | — | 482 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 Farden 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.
- 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 Farden Township
Is Farden Township at risk for natural disasters?
On FEMA’s National Risk Index, Farden Township has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (87%) and tornadoes (7%). 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.
Is Farden 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 Hubbard County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Farden Township?
FEMA’s Community Rating System list shows no discount for Farden 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 Farden Township?
By FEMA money that reached Farden Township, Severe Storms, Flooding and Tornadoes (2002): $39K to Farden Township for repairs.
Is Farden Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Farden Township’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Farden Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Farden 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.