FEMA expects more hazard damage per building in Haverhill Township than in 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Haverhill Township gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (84%), then tornadoes (12%). Flood insurance has paid 25 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 Haverhill 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 Haverhill Township’s grade
River and rain flooding is 84% of the building damage FEMA expects in Haverhill Township, and Haverhill Township’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Next is tornadoes at 12% (higher than 89% of U.S. census tracts).
C+ higher expected damage per building than 63% of U.S. towns (21,298).
Haverhill Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $862K a year in losses across Haverhill Township: $598K to buildings, the rest to people and crops.
Does Haverhill Township flood? Sometimes: 25 flood claims since 1978
Every paid claim on a federal flood insurance policy in Haverhill Township, from FEMA’s records: 44.0 per 1,000 homes, more than 92% of the 13,809 U.S. towns with a flood insurance record.
Haverhill 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: Olmsted County.The storms Haverhill Township remembers
None of the 12 disasters declared for Olmsted County shows FEMA aid or repair money reaching Haverhill Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 197815 flood claims paidThe year of Severe Storms, Flooding, Hail and Tornadoes, declared for Olmsted County
- 19869 flood claims paidNo declaration for the county that year
- 20191 flood claims paidThe year of Severe Winter Storm, Straight-line Winds, and Flooding, declared for Olmsted County
Olmsted County has had 12 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 Haverhill Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Haverhill Township archive →Haverhill Township and its neighbors
Haverhill Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Haverhill Township | C+more damage than 63% | river and rain flooding | 25 |
| Cascade Township | C+more damage than 65% | river and rain flooding | 1 |
| Marion Township | Cmore damage than 69% | river and rain flooding | 5 |
| Rochester | C−more damage than 80% | river and rain flooding | 526 |
| Farmington Township | — | 477 residents; we grade 1,000+ | |
| Viola Township | — | 553 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 Haverhill 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 Haverhill Township
Is Haverhill Township at risk for natural disasters?
On FEMA’s National Risk Index, Haverhill Township has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (84%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Haverhill Township flood?
Flood insurance has paid 25 claims in Haverhill Township since 1978, $101K in all, or 44.0 per 1,000 homes, more than 92% of U.S. towns with a flood insurance record.
Is Haverhill 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 Olmsted County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Haverhill Township?
FEMA’s Community Rating System list shows no discount for Haverhill Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Haverhill Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Haverhill Township’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Haverhill Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Haverhill 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.