Storms, floods and disasters in North Germany Township
North Germany Township isn’t graded for hazard risk: North Germany Township has 257 residents; we grade towns of 1,000 or more.
What North Germany 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 North Germany Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in North Germany Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
North Germany 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: Wadena County.1 federal disaster brought FEMA money to North Germany Township
Disasters that paid out in North Germany Township itself (aid to households or repair grants to North Germany Township), newest first, with that year’s flood claims.
- 2009Severe Storms and Flooding$11K to North Germany Township for repairs
Wadena County has had 11 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 North Germany Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Germany Township archive →North Germany 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 |
|---|---|---|---|
| Lyons Township | — | 324 residents; we grade 1,000+ | |
| Rockwood Township | — | 323 residents; we grade 1,000+ | |
| Wing River Township | — | 419 residents; we grade 1,000+ | |
| Meadow Township | — | 322 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 North Germany 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 North Germany Township
Is North Germany 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 Wadena County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in North Germany Township?
FEMA’s Community Rating System list shows no discount for North Germany 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 North Germany Township?
By FEMA money that reached North Germany Township, Severe Storms and Flooding (2009): $11K to North Germany Township for repairs.
Storm stories
Memories, warnings and help from neighbors in North Germany Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Germany 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.