Natural hazards · Township 3

Township 3, KS natural hazards

Most of the natural-hazard damage FEMA expects in Township 3 comes from cold waves, and overall the risk is moderate for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Township 3?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Township 3 to be higher than in 51% of U.S. communities, mostly from cold waves and tornadoes.

Cold waves32%Tornadoes25%Inland flooding17%Hail7%Strong wind7%Everything else12%

By hazard

What Township 3 faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Cold waves

32% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once a year in the area

Tornadoes

25% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 33 years in the area

Inland flooding

17% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about once a year in the area

Hail

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 11 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Township 3 flood?

FEMA's records show no paid flood insurance claims in Township 3.

of all homes
are insured

No community discount. Township 3 isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Harper County.

Disasters that hit Township 3

Federal disasters declared here

None of the disasters declared for Harper County shows FEMA aid or repair money reaching Township 3 itself in FEMA’s records.

Brought FEMA money into Township 3Declared for Harper County only

Harper County has had 19 natural disasters declared since 1953, most often severe storms and winter storms.

Around Township 3

Township 3 and the towns around it

Very lowLowModerateHighVery high

Township 4mostly droughtHigh

Township 2mostly droughtHigh

Township 1mostly droughtHigh

Township 5mostly cold wavesHigh

Township 3mostly cold wavesModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Township 3 covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Township 3’s own flood-insurance community; household aid to the registrant’s city; repair grants to Township 3. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Township 3 total about $2.4M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.