Storms, floods and disasters in Lake Emma Township
Lake Emma Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Lake Emma Township yet.
What Lake Emma 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 Lake Emma Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lake Emma Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lake Emma 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.1 federal disaster brought FEMA money to Lake Emma Township
Disasters that paid out in Lake Emma Township itself (aid to households or repair grants to Lake Emma Township), newest first, with that year’s flood claims.
- 1999Severe Storms, Winds, and Flooding$7K to Lake Emma 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 Lake Emma Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lake Emma Township archive →Lake Emma 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 |
|---|---|---|---|
| Henrietta Township | B−less damage than 53% | river and rain flooding | — |
| Mantrap Township | — | 727 residents; we grade 1,000+ | |
| Clay Township | — | 57 residents; we grade 1,000+ | |
| Arago Township | — | 800 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 Lake Emma 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 Lake Emma Township
Is Lake Emma 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 Lake Emma Township?
FEMA’s Community Rating System list shows no discount for Lake Emma 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 Lake Emma Township?
By FEMA money that reached Lake Emma Township, Severe Storms, Winds, and Flooding (1999): $7K to Lake Emma Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Lake Emma Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Emma 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.