FEMA expects more hazard damage per building in Fort Ripley Township than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fort Ripley Township gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (90%). 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 Fort Ripley 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 Fort Ripley Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Fort Ripley Township, and Fort Ripley Township’s rate of river and rain flooding damage is in the top 10% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 9% of U.S. census tracts.
C− higher expected damage per building than 82% of U.S. towns (21,298).
All of Fort Ripley Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $662K a year in losses across Fort Ripley Township: $483K to buildings, the rest to people and crops.
Does Fort Ripley Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Fort Ripley Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Fort Ripley 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 Fort Ripley Township
Disasters that paid out in Fort Ripley Township itself (aid to households or repair grants to Fort Ripley Township), newest first, with that year’s flood claims.
- 2012Severe Storms and Flooding$4K to Fort Ripley 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 Fort Ripley Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fort Ripley Township archive →Fort Ripley Township and its neighbors
Fort Ripley Township is 5th of the 5 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 |
|---|---|---|---|
| Baxter | A−less damage than 82% | river and rain flooding | 3 |
| Scandia Valley Township | B+less damage than 69% | river and rain flooding | 22 |
| Sylvan Township | B−more damage than 55% | river and rain flooding | — |
| Crow Wing Township | C−more damage than 81% | river and rain flooding | — |
| Fort Ripley Township | C−more damage than 82% | river and rain flooding | 0 |
| Fort Ripley | — | 68 residents; we grade 1,000+ | |
| St. Mathias Township | — | 580 residents; we grade 1,000+ | |
| Cushing Township | — | 828 residents; we grade 1,000+ | |
| Ripley Township | — | 666 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 Fort Ripley 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 Fort Ripley Township
Is Fort Ripley Township at risk for natural disasters?
On FEMA’s National Risk Index, Fort Ripley Township has higher expected damage per building than 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (90%). 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 Fort Ripley 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 Fort Ripley Township?
FEMA’s Community Rating System list shows no discount for Fort Ripley 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 Fort Ripley Township?
By FEMA money that reached Fort Ripley Township, Severe Storms and Flooding (2012): $4K to Fort Ripley Township for repairs.
Is Fort Ripley Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Fort Ripley Township’s rate for it is in the top 10% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fort Ripley Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fort Ripley 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.