Storms, floods and disasters in Harlem Township
Harlem Township isn’t graded for hazard risk: Harlem Township has 119 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2011.
What Harlem 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
Ice storms
Tornadoes
Strong wind
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 Harlem Township flood? Rarely: 1 flood claim since 2011
Every paid claim on a federal flood insurance policy in Harlem Township, from FEMA’s records.
- The Late spring storms1 claim · $2K
Harlem 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: Sargent County.The storms Harlem Township remembers
None of the 29 disasters declared for Sargent County shows FEMA aid or repair money reaching Harlem Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20111 flood claims paidThe year of Flooding, declared for Sargent County
Sargent County has had 29 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 Harlem Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harlem Township archive →Harlem 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 |
|---|---|---|---|
| Bowen Township | — | 52 residents; we grade 1,000+ | |
| Sargent Township | — | 18 residents; we grade 1,000+ | |
| Verner Township | — | 39 residents; we grade 1,000+ | |
| Vivian Township | — | 93 residents; we grade 1,000+ | |
| Cogswell | — | 110 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 Harlem 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.
- 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Harlem Township
Does Harlem Township flood?
Flood insurance has paid 1 claim in Harlem Township since 2011, $2K in all. The most claims came from Late spring storms (1).
Is Harlem 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 Sargent County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Harlem Township?
FEMA’s Community Rating System list shows no discount for Harlem 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 Harlem Township?
By flood claims, Late spring storms: 1 paid, $2K.
Storm stories
Memories, warnings and help from neighbors in Harlem Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harlem 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.