Photo: Alexvallejo at English Wikipedia · CC BY-SA 3.0Storms, floods and disasters in Howe Township
Howe Township isn’t graded for hazard risk: Howe Township has 209 residents; we grade towns of 1,000 or more. Flood insurance has paid 13 claims here since 1984.
What Howe 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
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 Howe Township flood? Sometimes: 13 flood claims since 1984
Every paid claim on a federal flood insurance policy in Howe Township, from FEMA’s records.
- Tropical Storm Ivan2 claims · $18K
- Tropical Storm Lee1 claim · $1K
Howe 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: Forest County.The storms Howe Township remembers
None of the 8 disasters declared for Forest County shows FEMA aid or repair money reaching Howe Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20044 flood claims paidThe year of Tropical Depression Ivan, declared for Forest County
- 19963 flood claims paidThe year of Severe Storms and Flooding, declared for Forest County
- 20113 flood claims paidNo declaration for the county that year
Forest County has had 8 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Howe Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Howe Township archive →Howe 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 |
|---|---|---|---|
| Wetmore Township | A+among the lowest damage | river and rain flooding | — |
| Jenks Township | Cmore damage than 72% | river and rain flooding | 4 |
| Sheffield Township | Dmore damage than 94% | river and rain flooding | 2 |
| Highland Township | — | 339 residents; we grade 1,000+ | |
| Cherry Grove Township | — | 151 residents; we grade 1,000+ | |
| Kingsley Township | — | 207 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 Howe 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.
- 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 Howe Township
Does Howe Township flood?
Flood insurance has paid 13 claims in Howe Township since 1984, $86K in all. 3 properties have flooded more than once. The most claims came from Tropical Storm Ivan (2).
Is Howe 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 Forest County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Howe Township?
FEMA’s Community Rating System list shows no discount for Howe 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 Howe Township?
By flood claims, Tropical Storm Ivan: 2 paid, $18K.
Storm stories
Memories, warnings and help from neighbors in Howe Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Howe 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.