Photo: McGhiever · CC BY-SA 4.0Storms, floods and disasters in St. Charles Township
St. Charles Township isn’t graded for hazard risk: St. Charles Township has 667 residents; we grade towns of 1,000 or more.
What St. Charles 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
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.
Does St. Charles Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in St. Charles Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
St. Charles 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: Winona County.2 federal disasters brought FEMA money to St. Charles Township
Disasters that paid out in St. Charles Township itself (aid to households or repair grants to St. Charles Township), newest first, with that year’s flood claims.
- 2007Severe Storms and Flooding$155K to St. Charles Township for repairs
- 2000Severe Storms and Flooding$19K to St. Charles Township for repairs
Winona County has had 14 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 St. Charles Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the St. Charles Township archive →St. Charles 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 |
|---|---|---|---|
| St. Charles | Cmore damage than 67% | river and rain flooding | 12 |
| Saratoga Township | — | 692 residents; we grade 1,000+ | |
| Utica Township | — | 680 residents; we grade 1,000+ | |
| Elba Township | — | 287 residents; we grade 1,000+ | |
| Dover Township | — | 446 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 St. Charles 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.
- 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 St. Charles Township
Is St. Charles 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 Winona County, 0.5% of all homes carry federal flood insurance.
How much is flood insurance in St. Charles Township?
FEMA’s Community Rating System list shows no discount for St. Charles 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 St. Charles Township?
By FEMA money that reached St. Charles Township, Severe Storms and Flooding (2007): $155K to St. Charles Township for repairs.
Storm stories
Memories, warnings and help from neighbors in St. Charles Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where St. Charles 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.