Photo: Evking22 · CC BY-SA 4.0On FEMA’s figures, Bainbridge Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Bainbridge Township gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #398 of 593 in Indiana. Most of that expected damage is river and rain flooding (67%), then earthquakes (20%). Flood insurance has paid 5 claims here since 2011.
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 Bainbridge 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
Strong wind
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 Bainbridge Township’s grade
River and rain flooding is 67% of the building damage FEMA expects in Bainbridge Township, and Bainbridge Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 7% of U.S. census tracts.
B− #398 of 593 in Indiana; lower expected damage per building than 52% of U.S. towns (21,298).
Bainbridge Township’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Bainbridge Township has more expected damage per building than 67% of Indiana towns.
In dollars, FEMA expects about $8.7M a year in losses across Bainbridge Township: $6.5M to buildings, the rest to people and crops.
Does Bainbridge Township flood? Rarely: 5 flood claims since 2011
Every paid claim on a federal flood insurance policy in Bainbridge Township, from FEMA’s records: 0.7 per 1,000 homes, fewer than 85% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $4K
Bainbridge 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: Dubois County.The storms Bainbridge Township remembers
None of the 13 disasters declared for Dubois County shows FEMA aid or repair money reaching Bainbridge Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20242 flood claims paidNo declaration for the county that year
- 20111 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and, declared for Dubois County
- 20141 flood claims paidNo declaration for the county that year
Dubois County has had 13 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 Bainbridge Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bainbridge Township archive →Bainbridge Township and its neighbors
Bainbridge Township is 2nd 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 |
|---|---|---|---|
| Patoka Township | B−less damage than 52% | river and rain flooding | 5 |
| Bainbridge Township | B−less damage than 52% | river and rain flooding | 5 |
| Jasper | B−less damage than 52% | river and rain flooding | 5 |
| Marion Township | B−more damage than 50% | river and rain flooding | — |
| Jackson Township | B−more damage than 50% | river and rain flooding | — |
| Harbison Township | B−more damage than 52% | river and rain flooding | — |
| Madison Township | C+more damage than 59% | river and rain flooding | — |
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 Bainbridge 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Bainbridge Township
Is Bainbridge Township at risk for natural disasters?
On FEMA’s National Risk Index, Bainbridge Township has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #398 of 593 in Indiana. Most of the expected damage is river and rain flooding (67%) and earthquakes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bainbridge Township flood?
Flood insurance has paid 5 claims in Bainbridge Township since 2011, $156K in all, or 0.7 per 1,000 homes, fewer than 85% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
Is Bainbridge 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 Dubois County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Bainbridge Township?
FEMA’s Community Rating System list shows no discount for Bainbridge 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 Bainbridge Township?
By flood claims, Mid-spring storms: 1 paid, $4K.
Is Bainbridge Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Bainbridge Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bainbridge Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bainbridge 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.