Storms, floods and disasters in Cotterell Township
Cotterell Township isn’t graded for hazard risk: Cotterell Township has 353 residents; we grade towns of 1,000 or more. Flood insurance has paid 72 claims here since 1978.
What Cotterell 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
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 Cotterell Township flood? Sometimes: 72 flood claims since 1978
Every paid claim on a federal flood insurance policy in Cotterell Township, from FEMA’s records.
- The March 2019 Midwest Flooding59 claims · $1.2M
Cotterell 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: Dodge County.The storms Cotterell Township remembers
None of the 18 disasters declared for Dodge County shows FEMA aid or repair money reaching Cotterell Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201959 flood claims paidThe year of Severe Winter Storm, Straight-line Winds, and Flooding, declared for Dodge County
- 19905 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Dodge County
- 19822 flood claims paidNo declaration for the county that year
Dodge County has had 18 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Cotterell Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cotterell Township archive →Cotterell 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 |
|---|---|---|---|
| Platte Township | Dmore damage than 86% | river and rain flooding | 334 |
| North Bend | Dmore damage than 87% | river and rain flooding | 72 |
| Morse Bluff Township | — | 394 residents; we grade 1,000+ | |
| Union Township | — | 243 residents; we grade 1,000+ | |
| Ridgeley Township | — | 214 residents; we grade 1,000+ | |
| Maple Township | — | 108 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 Cotterell 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.
- 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 Cotterell Township
Does Cotterell Township flood?
Flood insurance has paid 72 claims in Cotterell Township since 1978, $1.3M in all. The most claims came from March 2019 Midwest Flooding (59).
Is Cotterell 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 Dodge County, 18% of homes in mapped flood zones carry federal flood insurance, and 4.1% of all homes do.
How much is flood insurance in Cotterell Township?
FEMA’s Community Rating System list shows no discount for Cotterell 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 Cotterell Township?
By flood claims, March 2019 Midwest Flooding: 59 paid, $1.2M.
Storm stories
Memories, warnings and help from neighbors in Cotterell Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cotterell 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.