Storms, floods and disasters in Baker Township
Baker Township isn’t graded for hazard risk: Baker Township has 172 residents; we grade towns of 1,000 or more. Flood insurance has paid 27 claims here since 1986.
What Baker 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
Strong wind
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 Baker Township flood? Sometimes: 27 flood claims since 1986
Every paid claim on a federal flood insurance policy in Baker Township, from FEMA’s records.
Baker 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: Kingsbury County.The storms Baker Township remembers
None of the 22 disasters declared for Kingsbury County shows FEMA aid or repair money reaching Baker Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201117 flood claims paidThe year of Flooding, declared for Kingsbury County
- 19974 flood claims paidThe year of Severe Flooding, Sever Winter Storms,heavy Rains High Winds, declared for Kingsbury County
- 19863 flood claims paidThe year of Severe Storms and Flooding, declared for Kingsbury County
Kingsbury County has had 22 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 Baker Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Baker Township archive →Baker 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 |
|---|---|---|---|
| Whitewood Township | — | 96 residents; we grade 1,000+ | |
| Denver Township | — | 147 residents; we grade 1,000+ | |
| De Smet Township | — | 384 residents; we grade 1,000+ | |
| Hartland Township | — | 284 residents; we grade 1,000+ | |
| Spring Lake Township | — | 161 residents; we grade 1,000+ | |
| Mathews Township | — | 175 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 Baker 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Baker Township
Does Baker Township flood?
Flood insurance has paid 27 claims in Baker Township since 1986, $460K in all.
Is Baker 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 Kingsbury County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Baker Township?
FEMA’s Community Rating System list shows no discount for Baker Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Baker Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Baker 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.