Crescent Grange Hall No. 512 · Photo: Bobak Ha'Eri · CC BY 3.0For strong wind, Linwood Township’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Linwood Township gets a B− for hazard risk: higher expected damage per building than 55% of U.S. towns, #182 of 274 in Minnesota. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 1 claim here since 2023.
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 Linwood 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
Strong wind
Hail
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 Linwood Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Linwood Township, and Linwood Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 4% of U.S. census tracts.
B− #182 of 274 in Minnesota; higher expected damage per building than 55% of U.S. towns (21,298).
All of Linwood Township’s residents live in one census tract; the figures are that tract’s.
The typical Minnesota town has lower expected damage than 57% of U.S. towns; within the state, Linwood Township has more expected damage per building than 66% of Minnesota towns.
In dollars, FEMA expects about $1.8M a year in losses across Linwood Township: $1.4M to buildings, the rest to people and crops.
Does Linwood Township flood? Rarely: 1 flood claim since 2023
Every paid claim on a federal flood insurance policy in Linwood Township, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.
Linwood 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: Anoka County.The storms Linwood Township remembers
None of the 9 disasters declared for Anoka County shows FEMA aid or repair money reaching Linwood Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20231 flood claims paidNo declaration for the county that year
Anoka County has had 9 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Anoka County, 2000–2000.
Old photos of Linwood Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Linwood Township archive →Linwood Township and its neighbors
Linwood Township is 5th of the 6 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 |
|---|---|---|---|
| Columbus | Bless damage than 64% | river and rain flooding | 3 |
| East Bethel | B−less damage than 50% | river and rain flooding | 1 |
| Wyoming | B−more damage than 52% | river and rain flooding | — |
| Oxford Township | B−more damage than 54% | river and rain flooding | — |
| Linwood Township | B−more damage than 55% | river and rain flooding | 1 |
| Stacy | Cmore damage than 67% | river and rain flooding | — |
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 Linwood 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Linwood Township
Is Linwood Township at risk for natural disasters?
On FEMA’s National Risk Index, Linwood Township has higher expected damage per building than 55% of U.S. towns: B− for hazard risk, #182 of 274 in Minnesota. Most of the expected damage is river and rain flooding (78%) and strong wind (8%). 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.
Does Linwood Township flood?
Flood insurance has paid 1 claim in Linwood Township since 2023, $1K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record.
Is Linwood 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 Anoka County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Linwood Township?
FEMA’s Community Rating System list shows no discount for Linwood Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Linwood Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Linwood Township’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Linwood Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Linwood 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.