Photo: Andrew Filer from Seattle (ex-Minneapolis) · CC BY-SA 2.0Storms, floods and disasters in Kulm
Kulm isn’t graded for hazard risk: Kulm has 474 residents; we grade towns of 1,000 or more.
What Kulm 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 Kulm flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kulm. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kulm isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: LaMoure County.6 federal disasters brought FEMA money to Kulm
Disasters that paid out in Kulm itself (aid to households or repair grants to the City of Kulm), newest first, with that year’s flood claims.
- 2023Severe Winter Storm and Straight-line Winds$5K to the City of Kulm for repairs
- 2011Flooding$1K to the City of Kulm for repairs
- 2010Flooding$3K to the City of Kulm for repairs
- 2010Flooding$9K to the City of Kulm for repairs
- 2009Severe Storms and Flooding6 households applied for aid$13K aid approved$5K to the City of Kulm for repairs
- 1999Severe Storms, Flooding, Snow, Ice, Ground Saturation, Lanslides, Mudslides, and Tor$1.1M to the City of Kulm for repairs
LaMoure 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 Kulm after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kulm archive →Get ready for what Kulm 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 Kulm
Is Kulm 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 LaMoure County, 0.7% of all homes carry federal flood insurance.
How much is flood insurance in Kulm?
FEMA’s Community Rating System list shows no discount for Kulm’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 Kulm?
By FEMA money that reached Kulm, Severe Storms, Flooding, Snow, Ice, Ground Saturation, Lanslides, Mudslides, and Tor (1999): $1.1M to the City of Kulm for repairs.
Storm stories
Memories, warnings and help from neighbors in Kulm.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kulm’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.