Storms, floods and disasters in Split Rock Township
Split Rock Township isn’t graded for hazard risk: Split Rock Township has 175 residents; we grade towns of 1,000 or more.
What Split Rock 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.
Does Split Rock Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Split Rock Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Split Rock 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: Carlton County.2 federal disasters brought FEMA money to Split Rock Township
Disasters that paid out in Split Rock Township itself (aid to households or repair grants to Split Rock Township), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$8K to Split Rock Township for repairs
- 2012Severe Storms and Flooding$6K to Split Rock Township for repairs
Carlton County has had 6 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 Split Rock Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Split Rock Township archive →Split Rock 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 |
|---|---|---|---|
| Silver Township | — | 373 residents; we grade 1,000+ | |
| Automba Township | — | 136 residents; we grade 1,000+ | |
| Beaver Township | — | 51 residents; we grade 1,000+ | |
| Birch Creek Township | — | 218 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 Split Rock 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 Split Rock Township
Is Split Rock 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 Carlton County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Split Rock Township?
FEMA’s Community Rating System list shows no discount for Split Rock 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 Split Rock Township?
By FEMA money that reached Split Rock Township, Severe Storms and Flooding (2023): $8K to Split Rock Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Split Rock Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Split Rock 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.