Less hazard damage per building is expected in Apple River than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Apple River gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns. Most of that expected damage is river and rain flooding (66%), then tornadoes (14%). 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 Apple River 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.
What’s behind Apple River’s grade
River and rain flooding is 66% of the building damage FEMA expects in Apple River, and Apple River’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Strong wind adds 9%, at a rate in the top 5% of U.S. census tracts.
A− lower expected damage per building than 77% of U.S. towns (21,298).
Apple River’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $591K a year in losses across Apple River: $296K to buildings, the rest to people and crops.
Does Apple River flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Apple River. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Apple River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Polk County.2 federal disasters brought FEMA money to Apple River
Disasters that paid out in Apple River itself (aid to households or repair grants to the Town of Apple River), newest first, with that year’s flood claims.
- 2019Severe Storms, Tornadoes, Straight-line Winds, and Flooding$112K to the Town of Apple River for repairs
- 2001Flooding, Severe Storms and Tornadoes$213K to the Town of Apple River for repairs
Polk County has had 7 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 Apple River after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Apple River archive →Apple River and its neighbors
Apple River is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Georgetown | Aless damage than 85% | river and rain flooding | — |
| Balsam Lake | A−less damage than 81% | river and rain flooding | — |
| Apple River | A−less damage than 77% | river and rain flooding | 0 |
| Lincoln | B+less damage than 74% | river and rain flooding | — |
| Beaver | — | 968 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 Apple River 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 Apple River
Is Apple River at risk for natural disasters?
On FEMA’s National Risk Index, Apple River has lower expected damage per building than 77% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (66%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Apple River 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 Polk County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Apple River?
FEMA’s Community Rating System list shows no discount for Apple River’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 Apple River?
By FEMA money that reached Apple River, Flooding, Severe Storms and Tornadoes (2001): $213K to the Town of Apple River for repairs.
Is Apple River at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Apple River’s rate for it is lower than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Apple River.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Apple River’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.