FEMA expects more hazard damage per building in Germantown Township than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Germantown Township gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (63%), then earthquakes (22%). Flood insurance has paid 1 claim here since 2013.
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 Germantown 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
Earthquakes
Tornadoes
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 Germantown Township’s grade
River and rain flooding is 63% of the building damage FEMA expects in Germantown Township, and Germantown Township’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 3% of U.S. census tracts.
C− higher expected damage per building than 82% of U.S. towns (21,298).
Germantown Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.5M a year in losses across Germantown Township: $1.0M to buildings, the rest to people and crops.
Does Germantown Township flood? Rarely: 1 flood claim since 2013
Every paid claim on a federal flood insurance policy in Germantown Township, from FEMA’s records: 1.0 per 1,000 homes, fewer than 77% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $20K
Germantown 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: Clinton County.The storms Germantown Township remembers
None of the 4 disasters declared for Clinton County shows FEMA aid or repair money reaching Germantown Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20131 flood claims paidNo declaration for the county that year
Clinton County has had 4 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 Germantown Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Germantown Township archive →Germantown Township and its neighbors
Germantown Township is 3rd of the 5 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 |
|---|---|---|---|
| Breese Township | C−more damage than 79% | river and rain flooding | 8 |
| Santa Fe Township | C−more damage than 81% | river and rain flooding | — |
| Germantown Township | C−more damage than 82% | river and rain flooding | 1 |
| Looking Glass Township | C−more damage than 82% | river and rain flooding | 7 |
| Okawville Township | Dmore damage than 86% | river and rain flooding | — |
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 Germantown 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Germantown Township
Is Germantown Township at risk for natural disasters?
On FEMA’s National Risk Index, Germantown Township has higher expected damage per building than 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (63%) and earthquakes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Germantown Township flood?
Flood insurance has paid 1 claim in Germantown Township since 2013, $20K in all, or 1.0 per 1,000 homes, fewer than 77% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
Is Germantown 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 Clinton County, 2% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Germantown Township?
FEMA’s Community Rating System list shows no discount for Germantown 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 Germantown Township?
By flood claims, Mid-spring storms: 1 paid, $20K.
Is Germantown Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (63%), and Germantown Township’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Germantown Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Germantown 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.