Storms, floods and disasters in Harwood
Harwood isn’t graded for hazard risk: Harwood has 819 residents; we grade towns of 1,000 or more. Flood insurance has paid 60 claims here since 1979.
What Harwood 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 flood? Sometimes: 60 flood claims since 1979
Every paid claim on a federal flood insurance policy in Harwood, from FEMA’s records.
- The Winter storm4 claims · $2K
Harwood 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.9 federal disasters brought FEMA money to Harwood
Disasters that paid out in Harwood itself (aid to households or repair grants to the City of Harwood), newest first, with that year’s flood claims.
- 2019Flooding$15K to the City of Harwood for repairs4 flood claims paid that year
- 2013Flooding$19K to the City of Harwood for repairs
- 2011Flooding$63K to the City of Harwood for repairs6 flood claims paid that year
- 2010Flooding$46K to the City of Harwood for repairs6 flood claims paid that year
- 2009Severe Storms and Flooding43 households applied for aid$37K aid approved$249K to the City of Harwood for repairs12 flood claims paid that year
- 2006Severe Storms, Flooding, and Ground Saturation$4K to the City of Harwood for repairs2 flood claims paid that year
Show all 9
- 2001Severe Storms, Flooding, and Ground Saturation$9K to the City of Harwood for repairs
- 2000Severe Storms, Flooding and Ground Saturation$4K to the City of Harwood for repairs1 flood claim paid that year
- 1999Severe Storms, Flooding, Snow, Ice, Ground Saturation, Lanslides, Mudslides, and Tor$6K to the City of Harwood for repairs
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 after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harwood archive →Harwood 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 |
| Harwood Township | — | 289 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 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
Does Harwood flood?
Flood insurance has paid 60 claims in Harwood since 1979, $123K in all. 2 properties have flooded more than once. The most claims came from Winter storm (4).
Is Harwood 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?
FEMA’s Community Rating System list shows no discount for Harwood’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?
By FEMA money that reached Harwood, Severe Storms and Flooding (2009): 43 households applied for aid, $37K approved, and $249K to the City of Harwood for repairs. By flood claims, Winter storm: 4 paid, $2K.
Storm stories
Memories, warnings and help from neighbors in Harwood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harwood’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.