Photo: Public domain · Public domainStorms, floods and disasters in Lafayette Township
Lafayette Township isn’t graded for hazard risk: Lafayette Township has 704 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2019.
What Lafayette 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
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 Lafayette Township flood? Rarely: 2 flood claims since 2019
Every paid claim on a federal flood insurance policy in Lafayette Township, from FEMA’s records.
Lafayette 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: Nicollet County.The storms Lafayette Township remembers
None of the 18 disasters declared for Nicollet County shows FEMA aid or repair money reaching Lafayette Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20192 flood claims paidThe year of Severe Winter Storm, Straight-line Winds, and Flooding, declared for Nicollet County
Nicollet County has had 18 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 Lafayette Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lafayette Township archive →Lafayette 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 |
|---|---|---|---|
| New Ulm | C+more damage than 60% | river and rain flooding | 12 |
| Bernadotte Township | — | 248 residents; we grade 1,000+ | |
| Lafayette | — | 484 residents; we grade 1,000+ | |
| Cornish Township | — | 236 residents; we grade 1,000+ | |
| West Newton Township | — | 388 residents; we grade 1,000+ | |
| Brighton Township | — | 152 residents; we grade 1,000+ | |
| Milford Township | — | 760 residents; we grade 1,000+ | |
| Courtland Township | — | 503 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 Lafayette 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.
- 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 Lafayette Township
Does Lafayette Township flood?
Flood insurance has paid 2 claims in Lafayette Township since 2019, $44K in all.
Is Lafayette 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 Nicollet County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Lafayette Township?
FEMA’s Community Rating System list shows no discount for Lafayette Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Lafayette Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lafayette 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.