Storms, floods and disasters in Elkhorn Township
Elkhorn Township isn’t graded for hazard risk: Elkhorn Township has 109 residents; we grade towns of 1,000 or more. Flood insurance has paid 8 claims here since 1992.
What Elkhorn 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
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 Elkhorn Township flood? Rarely: 8 flood claims since 1992
Every paid claim on a federal flood insurance policy in Elkhorn Township, from FEMA’s records.
- The March 2019 Midwest Flooding6 claims · $257K
Elkhorn 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.The storms Elkhorn Township remembers
None of the 21 disasters declared for Cuming County shows FEMA aid or repair money reaching Elkhorn Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20196 flood claims paidThe year of Severe Winter Storm, Straight-line Winds, and Flooding, declared for Cuming County
- 19921 flood claims paidNo declaration for the county that year
- 20071 flood claims paidNo declaration for the county that year
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 Elkhorn Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Elkhorn Township archive →Elkhorn 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 |
|---|---|---|---|
| Beemer Township | — | 864 residents; we grade 1,000+ | |
| Monterey Township | — | 229 residents; we grade 1,000+ | |
| St. Charles Township | — | 232 residents; we grade 1,000+ | |
| Bismark Township | — | 249 residents; we grade 1,000+ | |
| Sherman Township | — | 345 residents; we grade 1,000+ | |
| Lincoln Township | — | 194 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 Elkhorn 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.
- 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 Elkhorn Township
Does Elkhorn Township flood?
Flood insurance has paid 8 claims in Elkhorn Township since 1992, $260K in all. The most claims came from March 2019 Midwest Flooding (6).
Is Elkhorn 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 Elkhorn Township?
FEMA’s Community Rating System list shows no discount for Elkhorn 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 Elkhorn Township?
By flood claims, March 2019 Midwest Flooding: 6 paid, $257K.
Storm stories
Memories, warnings and help from neighbors in Elkhorn Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elkhorn 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.