Storms, floods and disasters in Fossum Township
Fossum Township isn’t graded for hazard risk: Fossum Township has 203 residents; we grade towns of 1,000 or more.
What Fossum 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.
Does Fossum Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Fossum Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Fossum 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: Norman County.10 federal disasters brought FEMA money to Fossum Township
Disasters that paid out in Fossum Township itself (aid to households or repair grants to Fossum Township), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$13K to Fossum Township for repairs
- 2022Severe Storms, Straight-line Winds, and Flooding$9K to Fossum Township for repairs
- 2019Severe Winter Storm, Straight-line Winds, and Flooding$15K to Fossum Township for repairs
- 2011Severe Storms and Flooding$14K to Fossum Township for repairs
- 2010Flooding$11K to Fossum Township for repairs
- 2009Severe Storms and Flooding$63K to Fossum Township for repairs
Show all 10
- 2006Flooding$39K to Fossum Township for repairs
- 2002Severe Storms, Flooding and Tornadoes$30K to Fossum Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$17K to Fossum Township for repairs
- 2000Severe Storms and Flooding$2K to Fossum Township for repairs
Norman County has had 27 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 Fossum Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fossum Township archive →Fossum 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 |
|---|---|---|---|
| Flom Township | — | 159 residents; we grade 1,000+ | |
| Wild Rice Township | — | 230 residents; we grade 1,000+ | |
| Pembina Township | — | 660 residents; we grade 1,000+ | |
| Waukon Township | — | 113 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 Fossum 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 Fossum Township
Is Fossum 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 Norman County, 14% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.
How much is flood insurance in Fossum Township?
FEMA’s Community Rating System list shows no discount for Fossum 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 Fossum Township?
By FEMA money that reached Fossum Township, Severe Storms and Flooding (2009): $63K to Fossum Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Fossum Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fossum 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.