FEMA puts Cass Township’s expected hazard damage per building above that of 76% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cass Township gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (67%), then earthquakes (12%). 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 Cass 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
Earthquakes
Tornadoes
Ice storms
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 Cass Township’s grade
River and rain flooding is 67% of the building damage FEMA expects in Cass Township, and Cass Township’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Ice storms add 7%, at a rate in the top 2% of U.S. census tracts.
C− higher expected damage per building than 76% of U.S. towns (21,298).
Cass Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $752K a year in losses across Cass Township: $280K to buildings, the rest to people and crops.
Does Cass Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cass Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cass 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: Texas County.14 federal disasters brought FEMA money to Cass Township
Disasters that paid out in Cass Township itself (aid to households or repair grants to Cass Township), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding$38K to Cass Township for repairs
- 2024Severe Storms, Tornadoes, Straight-line Winds, and Flooding$69K to Cass Township for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding$263K to Cass Township for repairs
- 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding$496K to Cass Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$87K to Cass Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$613K to Cass Township for repairs
Show all 14
- 2013Severe Storms, Straight-line Winds and Flooding$183K to Cass Township for repairs
- 2013Severe Storms, Straight-line Winds, Tornadoes, and Flooding$26K to Cass Township for repairs
- 2011Severe Storms, Tornadoes, and Flooding$17K to Cass Township for repairs
- 2009Severe Storms, Tornadoes, and Flooding$36K to Cass Township for repairs
- 2008Severe Storms, Flooding, and a Tornado$163K to Cass Township for repairs
- 2008Severe Storms and Flooding$119K to Cass Township for repairs
- 2008Severe Winter Storms and Flooding$13K to Cass Township for repairs
- 2002Severe Storms, Tornadoes and Flooding$167K to Cass Township for repairs
Texas County has had 23 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Cass Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cass Township archive →Cass Township and its neighbors
Cass 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 |
|---|---|---|---|
| Piney Township | C+more damage than 60% | river and rain flooding | — |
| Cass Township | C−more damage than 76% | river and rain flooding | 0 |
| Burdine Township | C−more damage than 82% | river and rain flooding | — |
| Ozark Township | — | 251 residents; we grade 1,000+ | |
| Sargent Township | — | 406 residents; we grade 1,000+ | |
| Morris Township | — | 647 residents; we grade 1,000+ | |
| Pierce Township | — | 335 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 Cass 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Cass Township
Is Cass Township at risk for natural disasters?
On FEMA’s National Risk Index, Cass Township has higher expected damage per building than 76% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (67%) and earthquakes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cass 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 Texas County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Cass Township?
FEMA’s Community Rating System list shows no discount for Cass 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 Cass Township?
By FEMA money that reached Cass Township, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): $613K to Cass Township for repairs.
Is Cass Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Cass Township’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cass Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cass 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.