More hazard damage per building is expected in Lamard Township than in 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lamard Township gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (60%), then earthquakes (27%). 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 Lamard 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
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 Lamard Township’s grade
River and rain flooding is 60% of the building damage FEMA expects in Lamard Township, and Lamard Township’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Strong wind adds 3%, at a rate in the top 7% of U.S. census tracts.
C− higher expected damage per building than 78% of U.S. towns (21,298).
Lamard Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.0M a year in losses across Lamard Township: $516K to buildings, the rest to people and crops.
Does Lamard Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lamard Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lamard 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: Wayne County.The storms Lamard Township remembers
None of the 5 disasters declared for Wayne County shows FEMA aid or repair money reaching Lamard Township itself in FEMA’s records, so these are its biggest flood-claim years.
Wayne County has had 5 natural disasters declared by the President since 1953, most often severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Lamard Township and its neighbors
Lamard Township is 4th 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 |
|---|---|---|---|
| Fairfield | Cmore damage than 71% | river and rain flooding | 9 |
| Big Mound Township | Cmore damage than 72% | river and rain flooding | — |
| Jasper Township | Cmore damage than 74% | river and rain flooding | 6 |
| Lamard Township | C−more damage than 78% | river and rain flooding | 0 |
| Berry Township | — | 193 residents; we grade 1,000+ | |
| Bedford Township | — | not graded yet | |
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 Lamard 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.
- 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 Lamard Township
Is Lamard Township at risk for natural disasters?
On FEMA’s National Risk Index, Lamard Township has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (60%) and earthquakes (27%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lamard 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 Wayne County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Lamard Township?
FEMA’s Community Rating System list shows no discount for Lamard Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lamard Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Lamard Township’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lamard Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lamard 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.