Storms, floods and disasters in Stony River Township
Stony River Township isn’t graded for hazard risk: Stony River Township has 232 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2017.
What Stony River 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
Wildfire
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 Stony River Township flood? Rarely: 1 flood claim since 2017
Every paid claim on a federal flood insurance policy in Stony River Township, from FEMA’s records.
Stony River 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: Lake County.2 federal disasters brought FEMA money to Stony River Township
Disasters that paid out in Stony River Township itself (aid to households or repair grants to Stony River Township), newest first, with that year’s flood claims.
- 2012Severe Storms and Flooding$39K to Stony River Township for repairs
- 2009Severe Storms and Flooding$784 to Stony River Township for repairs
Lake County has had 9 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 Stony River Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stony River Township archive →Stony River 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 |
|---|---|---|---|
| Babbitt | B+less damage than 70% | river and rain flooding | — |
| Silver Creek Township | C+more damage than 63% | river and rain flooding | — |
| Fall Lake Township | — | 538 residents; we grade 1,000+ | |
| Beaver Bay Township | — | 561 residents; we grade 1,000+ | |
| Crystal Bay Township | — | 469 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 Stony River 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Stony River Township
Does Stony River Township flood?
Flood insurance has paid 1 claim in Stony River Township since 2017, $25K in all.
Is Stony River 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 Lake County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Stony River Township?
FEMA’s Community Rating System list shows no discount for Stony River 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 Stony River Township?
By FEMA money that reached Stony River Township, Severe Storms and Flooding (2012): $39K to Stony River Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Stony River Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stony River 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.