FEMA expects more hazard damage per building in Grant Township than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Grant Township gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (82%). 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 Grant 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 Grant Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Grant Township, and Grant Township’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Next is tornadoes at 10% (higher than 85% of U.S. census tracts).
C higher expected damage per building than 66% of U.S. towns (21,298).
All of Grant Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $831K a year in losses across Grant Township: $485K to buildings, the rest to people and crops.
Does Grant Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Grant Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Grant 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: Caldwell County.1 federal disaster brought FEMA money to Grant Township
Disasters that paid out in Grant Township itself (aid to households or repair grants to Grant Township), newest first, with that year’s flood claims.
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$23K to Grant Township for repairs
Caldwell County has had 19 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 Grant Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Grant Township archive →Grant Township and its neighbors
Grant Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Grant Township | Cmore damage than 66% | river and rain flooding | 0 |
| Lincoln Township | — | 388 residents; we grade 1,000+ | |
| Rockford Township | — | 514 residents; we grade 1,000+ | |
| Kingston Township | — | 751 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 Grant 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 Grant Township
Is Grant Township at risk for natural disasters?
On FEMA’s National Risk Index, Grant Township has higher expected damage per building than 66% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (10%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Grant 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 Caldwell County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Grant Township?
FEMA’s Community Rating System list shows no discount for Grant 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 Grant Township?
By FEMA money that reached Grant Township, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): $23K to Grant Township for repairs.
Is Grant Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Grant Township’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Grant Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grant 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.