Storms, floods and disasters in Racine Township
Racine Township isn’t graded for hazard risk: Racine Township has 54 residents; we grade towns of 1,000 or more. Flood insurance has paid 120 claims here since 1995.
What Racine 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
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 Racine Township flood? Yes: 120 flood claims since 1995
Every paid claim on a federal flood insurance policy in Racine Township, from FEMA’s records.
- The Severe flooding2 claims · $29K
- The Late spring storms2 claims · $77K
Racine 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: Day County.The storms Racine Township remembers
None of the 22 disasters declared for Day County shows FEMA aid or repair money reaching Racine Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201145 flood claims paidThe year of Flooding, declared for Day County
- 201027 flood claims paidThe year of Flooding, declared for Day County
- 199925 flood claims paidNo declaration for the county that year
Day 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 Racine Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Racine Township archive →Racine 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 |
|---|---|---|---|
| Morton Township | — | 28 residents; we grade 1,000+ | |
| Webster Township | — | 280 residents; we grade 1,000+ | |
| Waubay Township | — | 653 residents; we grade 1,000+ | |
| Grenville Township | — | 186 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 Racine 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.
- 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 Racine Township
Does Racine Township flood?
Flood insurance has paid 120 claims in Racine Township since 1995, $2.8M in all. The most claims came from Severe flooding (2).
Is Racine 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 Day County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Racine Township?
FEMA’s Community Rating System list shows no discount for Racine 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 Racine Township?
By flood claims, Severe flooding: 2 paid, $29K.
Storm stories
Memories, warnings and help from neighbors in Racine Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Racine 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.