Photo: User:Visviva · CC BY-SA 4.0Storms, floods and disasters in Harmony Township
Harmony Township isn’t graded for hazard risk: Harmony Township has 243 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1993.
What Harmony 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
Strong wind
Hail
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.
Does Harmony Township flood? Rarely: 1 flood claim since 1993
Every paid claim on a federal flood insurance policy in Harmony Township, from FEMA’s records.
- The Midwest Flooding1 claim · $5K
Harmony 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: Hancock County.4 federal disasters brought FEMA money to Harmony Township
Disasters that paid out in Harmony Township itself (aid to households or repair grants to Harmony Township), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding$5K to Harmony Township for repairs
- 2011Severe Winter Storm and Snowstorm$5K to Harmony Township for repairs
- 2006Snow$1K to Harmony Township for repairs
- 1999Il-winter Storm 1/1/99$4K to Harmony Township for repairs
Hancock County has had 16 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Harmony Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harmony Township archive →Harmony 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 |
|---|---|---|---|
| Carthage Township | B−less damage than 53% | river and rain flooding | 3 |
| St. Mary Township | — | 646 residents; we grade 1,000+ | |
| Chili Township | — | 628 residents; we grade 1,000+ | |
| Bear Creek Township | — | 258 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 Harmony 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
- 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 Harmony Township
Does Harmony Township flood?
Flood insurance has paid 1 claim in Harmony Township since 1993, $5K in all. The most claims came from Midwest Flooding (1).
Is Harmony 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 Hancock County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Harmony Township?
FEMA’s Community Rating System list shows no discount for Harmony 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 Harmony Township?
By FEMA money that reached Harmony Township, Severe Storms, Straight-line Winds, and Flooding (2013): $5K to Harmony Township for repairs. By flood claims, Midwest Flooding: 1 paid, $5K.
Storm stories
Memories, warnings and help from neighbors in Harmony Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harmony 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.