Storms, floods and disasters in Cuming Township
Cuming Township isn’t graded for hazard risk: Cuming Township has 128 residents; we grade towns of 1,000 or more. Flood insurance has paid 10 claims here since 2010.
What Cuming 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
Wildfire
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 Cuming Township flood? Sometimes: 10 flood claims since 2010
Every paid claim on a federal flood insurance policy in Cuming Township, from FEMA’s records.
- The March 2019 Midwest Flooding3 claims · $122K
Cuming 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: Cuming County.1 federal disaster brought FEMA money to Cuming Township
Disasters that paid out in Cuming Township itself (aid to households or repair grants to Cuming Township), newest first, with that year’s flood claims.
- 2004Severe Storms, Tornadoes and Flooding$8K to Cuming Township for repairs
Cuming County has had 21 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 Cuming Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cuming Township archive →Cuming 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 |
|---|---|---|---|
| Garfield Township | — | 104 residents; we grade 1,000+ | |
| Sherman Township | — | 345 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 Cuming 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Cuming Township
Does Cuming Township flood?
Flood insurance has paid 10 claims in Cuming Township since 2010, $152K in all. The most claims came from March 2019 Midwest Flooding (3).
Is Cuming 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 Cuming County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Cuming Township?
FEMA’s Community Rating System list shows no discount for Cuming 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 Cuming Township?
By FEMA money that reached Cuming Township, Severe Storms, Tornadoes and Flooding (2004): $8K to Cuming Township for repairs. By flood claims, March 2019 Midwest Flooding: 3 paid, $122K.
Storm stories
Memories, warnings and help from neighbors in Cuming Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cuming 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.