Storms, floods and disasters in Toad Lake Township
Toad Lake Township isn’t graded for hazard risk: Toad Lake Township has 436 residents; we grade towns of 1,000 or more.
What Toad Lake 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 Toad Lake Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Toad Lake Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Toad Lake 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: Becker County.1 federal disaster brought FEMA money to Toad Lake Township
Disasters that paid out in Toad Lake Township itself (aid to households or repair grants to Toad Lake Township), newest first, with that year’s flood claims.
- 2009Severe Storms and Flooding$2K to Toad Lake Township for repairs
Becker County has had 16 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 Toad Lake Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Toad Lake Township archive →Toad Lake 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 |
|---|---|---|---|
| Wolf Lake Township | — | 351 residents; we grade 1,000+ | |
| Shell Lake Township | — | 365 residents; we grade 1,000+ | |
| Height of Land Township | — | 771 residents; we grade 1,000+ | |
| Evergreen Township | — | 398 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 Toad Lake 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 Toad Lake Township
Is Toad Lake 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 Becker County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Toad Lake Township?
FEMA’s Community Rating System list shows no discount for Toad Lake 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 Toad Lake Township?
By FEMA money that reached Toad Lake Township, Severe Storms and Flooding (2009): $2K to Toad Lake Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Toad Lake Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Toad Lake 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.