Photo: BrianHagan · CC BY-SA 4.0On FEMA’s figures, Crooks faces less hazard damage per building than 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Crooks gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (65%), then tornadoes (21%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Crooks 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
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.
What’s behind Crooks’ grade
River and rain flooding is 65% of the building damage FEMA expects in Crooks, and Crooks’ rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 7% of U.S. census tracts.
B+ lower expected damage per building than 73% of U.S. towns (21,298).
All of Crooks’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $778K a year in losses across Crooks: $302K to buildings, the rest to people and crops.
Does Crooks flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Crooks. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Crooks isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Minnehaha County.1 federal disaster brought FEMA money to Crooks
Disasters that paid out in Crooks itself (aid to households or repair grants to the City of Crooks), newest first, with that year’s flood claims.
- 2019Severe Winter Storm, Snowstorm, and Flooding4 households applied for aid$2K aid approved
Minnehaha County has had 14 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 Crooks after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crooks archive →Crooks and its neighbors
Crooks has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Crooks | B+less damage than 73% | river and rain flooding | 0 |
| Benton Township | — | 737 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 Crooks 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.
- 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 Crooks
Is Crooks at risk for natural disasters?
On FEMA’s National Risk Index, Crooks has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (65%) and tornadoes (21%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Crooks 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 Minnehaha County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Crooks?
FEMA’s Community Rating System list shows no discount for Crooks’ 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 Crooks?
By FEMA money that reached Crooks, Severe Winter Storm, Snowstorm, and Flooding (2019): 4 households applied for aid, $2K approved.
Is Crooks at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Crooks’ rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crooks.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crooks’ 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.