Photo: User:Visviva · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Ricks Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Ricks Township gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (54%), then earthquakes (28%). 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 Ricks 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 Ricks Township’s grade
River and rain flooding is 54% of the building damage FEMA expects in Ricks Township, and Ricks Township’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Next is earthquakes at 28% (higher than 83% of U.S. census tracts).
B− lower expected damage per building than 53% of U.S. towns (21,298).
All of Ricks Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $972K a year in losses across Ricks Township: $461K to buildings, the rest to people and crops.
Does Ricks Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Ricks Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Ricks 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: Christian County.The storms Ricks Township remembers
None of the 5 disasters declared for Christian County shows FEMA aid or repair money reaching Ricks Township itself in FEMA’s records, so these are its biggest flood-claim years.
Christian County has had 5 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Ricks Township and its neighbors
Ricks Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Ricks Township | B−less damage than 53% | river and rain flooding | 0 |
| Bear Creek Township | — | 464 residents; we grade 1,000+ | |
| Greenwood Township | — | 175 residents; we grade 1,000+ | |
| Rountree Township | — | 152 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 Ricks 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 Ricks Township
Is Ricks Township at risk for natural disasters?
On FEMA’s National Risk Index, Ricks Township has lower expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (54%) and earthquakes (28%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Ricks 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 Christian County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Ricks Township?
FEMA’s Community Rating System list shows no discount for Ricks Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Ricks Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Ricks Township’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ricks Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ricks 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.