Storms, floods and disasters in Harwood Township
Harwood Township isn’t graded for hazard risk: Harwood Township has 289 residents; we grade towns of 1,000 or more. Flood insurance has paid 162 claims here since 1978.
What Harwood 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
Strong wind
Hail
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 Harwood Township flood? Yes: 162 flood claims since 1978
Every paid claim on a federal flood insurance policy in Harwood Township, from FEMA’s records.
- The Midwest Flooding11 claims · $5K
- The Winter storm4 claims · $8K
Harwood 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: Cass County.The storms Harwood Township remembers
None of the 30 disasters declared for Cass County shows FEMA aid or repair money reaching Harwood Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199773 flood claims paidThe year of Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, declared for Cass County
- 200917 flood claims paidThe year of Severe Storms and Flooding, declared for Cass County
- 197915 flood claims paidThe year of Severe Storms, Snowmelt and Flooding, declared for Cass County
Cass County has had 30 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 Harwood Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harwood Township archive →Harwood 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 |
|---|---|---|---|
| Reed Township | C+more damage than 58% | river and rain flooding | 259 |
| Fargo | C+more damage than 64% | river and rain flooding | 1,136 |
| Kragnes Township | — | 218 residents; we grade 1,000+ | |
| Harwood | — | 819 residents; we grade 1,000+ | |
| Wiser Township | — | 42 residents; we grade 1,000+ | |
| Berlin Township | — | 138 residents; we grade 1,000+ | |
| Argusville | — | 584 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 Harwood 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Harwood Township
Does Harwood Township flood?
Flood insurance has paid 162 claims in Harwood Township since 1978, $472K in all. 3 properties have flooded more than once. The most claims came from Midwest Flooding (11).
Is Harwood 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 Cass County, 49% of homes in mapped flood zones carry federal flood insurance, and 4.5% of all homes do.
How much is flood insurance in Harwood Township?
FEMA’s Community Rating System list shows no discount for Harwood 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 Harwood Township?
By flood claims, Midwest Flooding: 11 paid, $5K.
Storm stories
Memories, warnings and help from neighbors in Harwood Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harwood 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.