Photo: Adam Moss · CC BY-SA 2.0Storms, floods and disasters in La Harpe Township
La Harpe Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to La Harpe Township yet. Flood insurance has paid 1 claim here since 2008.
What La Harpe 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 La Harpe Township flood? Rarely: 1 flood claim since 2008
Every paid claim on a federal flood insurance policy in La Harpe Township, from FEMA’s records.
La Harpe 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.1 federal disaster brought FEMA money to La Harpe Township
Disasters that paid out in La Harpe Township itself (aid to households or repair grants to La Harpe Township), newest first, with that year’s flood claims.
- 1999Il-winter Storm 1/1/99$3K to La Harpe 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 La Harpe Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the La Harpe Township archive →La Harpe 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 |
|---|---|---|---|
| Fountain Green Township | — | 161 residents; we grade 1,000+ | |
| Terre Haute Township | — | 174 residents; we grade 1,000+ | |
| Blandinsville Township | — | 871 residents; we grade 1,000+ | |
| Durham Township | — | 228 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 La Harpe 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 La Harpe Township
Does La Harpe Township flood?
Flood insurance has paid 1 claim in La Harpe Township since 2008, $33K in all.
Is La Harpe 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 La Harpe Township?
FEMA’s Community Rating System list shows no discount for La Harpe 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 La Harpe Township?
By FEMA money that reached La Harpe Township, Il-winter Storm 1/1/99 (1999): $3K to La Harpe Township for repairs.
Storm stories
Memories, warnings and help from neighbors in La Harpe Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where La Harpe 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.