Storms, floods and disasters in Belford Township
Belford Township isn’t graded for hazard risk: Belford Township has 64 residents; we grade towns of 1,000 or more.
What Belford 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 Belford Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Belford Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Belford 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: Aurora County.15 federal disasters brought FEMA money to Belford Township
Disasters that paid out in Belford Township itself (aid to households or repair grants to Belford Township), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$286K to Belford Township for repairs
- 2019Severe Winter Storm, Snowstorm, and Flooding$33K to Belford Township for repairs
- 2013Severe Winter Storm and Snowstorm$181K to Belford Township for repairs
- 2011Severe Storm$652K to Belford Township for repairs
- 2011Tropical Storm Irene$497K to Belford Township for repairs
- 2011Flooding$3K to Belford Township for repairs
Show all 15
- 2011Snowstorm$47K to Belford Township for repairs
- 2010Flooding$10K to Belford Township for repairs
- 2007Severe Storms, Tornadoes, and Flooding$3K to Belford Township for repairs
- 2006Snow$51K to Belford Township for repairs
- 2005Severe Storms and Flooding$15K to Belford Township for repairs
- 2005Record Snow$50K to Belford Township for repairs
- 2003Snow$41K to Belford Township for repairs
- 2003Snow$38K to Belford Township for repairs
- 1999Hurricane Floyd$4K to Belford Township for repairs
Aurora County has had 20 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Belford Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Belford Township archive →Belford 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 |
|---|---|---|---|
| Bristol Township | — | 22 residents; we grade 1,000+ | |
| Elliott Township | — | 121 residents; we grade 1,000+ | |
| Palatine Township | — | 59 residents; we grade 1,000+ | |
| Blaine Township | — | 35 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 Belford 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 Belford Township
Is Belford 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 Aurora County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Belford Township?
FEMA’s Community Rating System list shows no discount for Belford 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 Belford Township?
By FEMA money that reached Belford Township, Severe Storm (2011): $652K to Belford Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Belford Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Belford 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.