FEMA expects about as much hazard damage per building in Adams Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Adams Township gets a B for hazard risk: lower expected damage per building than 55% of U.S. towns, #361 of 593 in Indiana. Most of that expected damage is river and rain flooding (80%), then tornadoes (10%). Flood insurance has paid 9 claims here since 1993.
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 Adams 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
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 Adams Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Adams Township, and Adams Township’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Next is tornadoes at 10% (higher than 78% of U.S. census tracts).
B #361 of 593 in Indiana; lower expected damage per building than 55% of U.S. towns (21,298).
All of Adams Township’s residents live in one census tract; the figures are that tract’s.
The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Adams Township has more expected damage per building than 61% of Indiana towns.
In dollars, FEMA expects about $1.2M a year in losses across Adams Township: $886K to buildings, the rest to people and crops.
Does Adams Township flood? Rarely: 9 flood claims since 1993
Every paid claim on a federal flood insurance policy in Adams Township, from FEMA’s records: 5.5 per 1,000 homes, more than 62% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-08-Indiana-Flooding1 claim · $9K
Adams 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: Madison County.The storms Adams Township remembers
None of the 19 disasters declared for Madison County shows FEMA aid or repair money reaching Adams Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20134 flood claims paidNo declaration for the county that year
- 20082 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Madison County
- 19931 flood claims paidNo declaration for the county that year
Madison County has had 19 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Adams Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Adams Township archive →Adams Township and its neighbors
Adams Township is 5th of the 7 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 |
|---|---|---|---|
| Anderson | B+less damage than 71% | river and rain flooding | 70 |
| Union Township | B+less damage than 67% | river and rain flooding | 4 |
| Brown Township | Bless damage than 60% | river and rain flooding | 2 |
| Fall Creek Township | Bless damage than 60% | river and rain flooding | 13 |
| Adams Township | Bless damage than 55% | river and rain flooding | 9 |
| Harrison Township | B−less damage than 50% | river and rain flooding | — |
| Fall Creek Township | B−more damage than 52% | river and rain flooding | 3 |
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 Adams 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.
- 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 Adams Township
Is Adams Township at risk for natural disasters?
On FEMA’s National Risk Index, Adams Township has lower expected damage per building than 55% of U.S. towns: B for hazard risk, #361 of 593 in Indiana. Most of the expected damage is river and rain flooding (80%) and tornadoes (10%). 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.
Does Adams Township flood?
Flood insurance has paid 9 claims in Adams Township since 1993, $264K in all, or 5.5 per 1,000 homes, more than 62% of U.S. towns with a flood insurance record. The most claims came from 2026-08-Indiana-Flooding (1).
Is Adams 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 Madison County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Adams Township?
FEMA’s Community Rating System list shows no discount for Adams 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 Adams Township?
By flood claims, 2026-08-Indiana-Flooding: 1 paid, $9K.
Is Adams Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Adams Township’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Adams Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Adams 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.