Photo: formulanone · CC BY-SA 2.0More hazard damage per building is expected in Little Falls Township than in 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Little Falls Township gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns. Most of that expected damage is river and rain flooding (92%). FEMA’s files show no paid flood insurance claims here.
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 Little Falls 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
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 Little Falls Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Little Falls Township, and Little Falls Township’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts. Wildfire adds 1%, at a rate in the top 10% of U.S. census tracts.
D higher expected damage per building than 90% of U.S. towns (21,298).
Little Falls Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.7M a year in losses across Little Falls Township: $1.5M to buildings, the rest to people and crops.
Does Little Falls Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Little Falls Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Little Falls 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: Morrison County.2 federal disasters brought FEMA money to Little Falls Township
Disasters that paid out in Little Falls Township itself (aid to households or repair grants to Little Falls Township), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding$4K to Little Falls Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$34K to Little Falls Township for repairs
Morrison County has had 10 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Morrison County, 2000–2000.
Old photos of Little Falls Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Little Falls Township archive →Little Falls Township and its neighbors
Little Falls Township is 2nd of the 3 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 |
|---|---|---|---|
| Bellevue Township | Dmore damage than 90% | river and rain flooding | — |
| Little Falls Township | Dmore damage than 90% | river and rain flooding | 0 |
| Little Falls | Dmore damage than 92% | river and rain flooding | 6 |
| Pike Creek Township | — | 925 residents; we grade 1,000+ | |
| Swan River Township | — | 573 residents; we grade 1,000+ | |
| Belle Prairie Township | — | 579 residents; we grade 1,000+ | |
| Agram Township | — | 510 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 Little Falls 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.
- 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 Little Falls Township
Is Little Falls Township at risk for natural disasters?
On FEMA’s National Risk Index, Little Falls Township has higher expected damage per building than 90% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Little Falls 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 Morrison County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Little Falls Township?
FEMA’s Community Rating System list shows no discount for Little Falls 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 Little Falls Township?
By FEMA money that reached Little Falls Township, Severe Winter Storms, Flooding, and Tornadoes (2001): $34K to Little Falls Township for repairs.
Is Little Falls Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Little Falls Township’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Little Falls Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Little Falls 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.