More hazard damage per building is expected in Kindred than in 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kindred gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (74%), then tornadoes (11%). Flood insurance has paid 5 claims here since 1979.
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 Kindred 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
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 Kindred’s grade
River and rain flooding is 74% of the building damage FEMA expects in Kindred, and Kindred’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Tornadoes add 11%, at a rate in the top 6% of U.S. census tracts.
C− higher expected damage per building than 78% of U.S. towns (21,298).
All of Kindred’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.1M a year in losses across Kindred: $639K to buildings, the rest to people and crops.
Does Kindred flood? Rarely: 5 flood claims since 1979
Every paid claim on a federal flood insurance policy in Kindred, from FEMA’s records: 13.8 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.
Kindred 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.5 federal disasters brought FEMA money to Kindred
Disasters that paid out in Kindred itself (aid to households or repair grants to the City of Kindred), newest first, with that year’s flood claims.
- 2011Flooding5 households applied for aid$6K aid approved$39K to the City of Kindred for repairs1 flood claim paid that year
- 2010Flooding$1K to the City of Kindred for repairs
- 2010Flooding$19K to the City of Kindred for repairs
- 2009Severe Storms and Flooding65 households applied for aid$57K aid approved$151K to the City of Kindred for repairs1 flood claim paid that year
- 2001Severe Storms, Flooding, and Ground Saturation$11K to the City of Kindred 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 Kindred after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kindred archive →Get ready for what Kindred 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.
- 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 Kindred
Is Kindred at risk for natural disasters?
On FEMA’s National Risk Index, Kindred has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (74%) and tornadoes (11%). 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.
Does Kindred flood?
Flood insurance has paid 5 claims in Kindred since 1979, $38K in all, or 13.8 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Kindred 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 Kindred?
FEMA’s Community Rating System list shows no discount for Kindred’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 Kindred?
By FEMA money that reached Kindred, Severe Storms and Flooding (2009): 65 households applied for aid, $57K approved, and $151K to the City of Kindred for repairs.
Is Kindred at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Kindred’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kindred.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kindred’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.