Photo: Lorie Shaull · CC BY 4.0More hazard damage per building is expected in Shamrock Township than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Shamrock Township gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns. Most of that expected damage is river and rain flooding (95%). 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 Shamrock 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 Shamrock Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Shamrock Township, and Shamrock Township’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts.
C− higher expected damage per building than 77% of U.S. towns (21,298).
Shamrock Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.3M a year in losses across Shamrock Township: $911K to buildings, the rest to people and crops.
Does Shamrock Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Shamrock Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Shamrock 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: Aitkin County.3 federal disasters brought FEMA money to Shamrock Township
Disasters that paid out in Shamrock Township itself (aid to households or repair grants to Shamrock Township), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$15K to Shamrock Township for repairs
- 2012Severe Storms and Flooding$53K to Shamrock Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$28K to Shamrock Township for repairs
Aitkin County has had 17 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 Shamrock Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Shamrock Township archive →Shamrock Township and its neighbors
Shamrock Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Shamrock Township | C−more damage than 77% | river and rain flooding | 0 |
| Turner Township | — | 129 residents; we grade 1,000+ | |
| Workman Township | — | 164 residents; we grade 1,000+ | |
| McGregor Township | — | 38 residents; we grade 1,000+ | |
| Haugen Township | — | 249 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 Shamrock 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 Shamrock Township
Is Shamrock Township at risk for natural disasters?
On FEMA’s National Risk Index, Shamrock Township has higher expected damage per building than 77% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (95%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Shamrock 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 Aitkin County, 0.5% of all homes carry federal flood insurance.
How much is flood insurance in Shamrock Township?
FEMA’s Community Rating System list shows no discount for Shamrock 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 Shamrock Township?
By FEMA money that reached Shamrock Township, Severe Storms and Flooding (2012): $53K to Shamrock Township for repairs.
Is Shamrock Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Shamrock Township’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Shamrock Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shamrock 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.