On FEMA’s figures, Todd Township faces less hazard damage per building than 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Todd Township gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (84%). 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 Todd 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.
What’s behind Todd Township’s grade
River and rain flooding is 84% of the building damage FEMA expects in Todd Township, and Todd Township’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Winter storms add 2%, at a rate in the top 3% of U.S. census tracts.
B lower expected damage per building than 64% of U.S. towns (21,298).
Todd Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $748K a year in losses across Todd Township: $537K to buildings, the rest to people and crops.
Does Todd Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Todd Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Todd 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: Hubbard County.3 federal disasters brought FEMA money to Todd Township
Disasters that paid out in Todd Township itself (aid to households or repair grants to Todd Township), newest first, with that year’s flood claims.
- 2009Severe Storms and Flooding$9K to Todd Township for repairs
- 2002Severe Storms, Flooding and Tornadoes$14K to Todd Township for repairs
- 1999Severe Storms, Winds, and Flooding$4K to Todd Township for repairs
Hubbard County has had 7 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 Todd Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Todd Township archive →Todd Township and its neighbors
Todd Township is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Park Rapids | B+less damage than 68% | river and rain flooding | 2 |
| Todd Township | Bless damage than 64% | river and rain flooding | 0 |
| Henrietta Township | B−less damage than 53% | river and rain flooding | — |
| Arago Township | — | 800 residents; we grade 1,000+ | |
| Osage Township | — | 896 residents; we grade 1,000+ | |
| Straight River Township | — | 790 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 Todd 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 Todd Township
Is Todd Township at risk for natural disasters?
On FEMA’s National Risk Index, Todd Township has lower expected damage per building than 64% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (84%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Todd 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 Hubbard County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Todd Township?
FEMA’s Community Rating System list shows no discount for Todd 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 Todd Township?
By FEMA money that reached Todd Township, Severe Storms, Flooding and Tornadoes (2002): $14K to Todd Township for repairs.
Is Todd Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Todd Township’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Todd Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Todd 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.