Photo: U.S. Department of Agriculture · Public domainFEMA expects less hazard damage per building in Bean Blossom Township than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bean Blossom Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns, #85 of 593 in Indiana. Most of that expected damage is river and rain flooding (74%), then earthquakes (14%). Flood insurance has paid 1 claim here since 2021.
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 Bean Blossom 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 Bean Blossom Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Bean Blossom Township, and Bean Blossom Township’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Next is earthquakes at 14% (higher than 75% of U.S. census tracts).
A #85 of 593 in Indiana; lower expected damage per building than 86% of U.S. towns (21,298).
All of Bean Blossom 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, Bean Blossom Township has less expected damage per building than 86% of Indiana towns.
In dollars, FEMA expects about $1.1M a year in losses across Bean Blossom Township: $849K to buildings, the rest to people and crops.
Does Bean Blossom Township flood? Rarely: 1 flood claim since 2021
Every paid claim on a federal flood insurance policy in Bean Blossom Township, from FEMA’s records: 0.9 per 1,000 homes, fewer than 81% of the 13,809 U.S. towns with a flood insurance record.
Bean Blossom 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: Monroe County.The storms Bean Blossom Township remembers
None of the 13 disasters declared for Monroe County shows FEMA aid or repair money reaching Bean Blossom Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20211 flood claims paidNo declaration for the county that year
Monroe 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 Bean Blossom Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bean Blossom Township archive →Bean Blossom Township and its neighbors
Bean Blossom Township has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bean Blossom Township | Aless damage than 86% | river and rain flooding | 1 |
| Washington Township | B+less damage than 72% | river and rain flooding | 1 |
| Richland Township | Bless damage than 57% | river and rain flooding | 28 |
| Wayne Township | Cmore damage than 71% | river and rain flooding | 10 |
| Washington Township | C−more damage than 76% | river and rain flooding | 99 |
| Baker Township | — | 533 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 Bean Blossom 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 Bean Blossom Township
Is Bean Blossom Township at risk for natural disasters?
On FEMA’s National Risk Index, Bean Blossom Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk, #85 of 593 in Indiana. Most of the expected damage is river and rain flooding (74%) and earthquakes (14%). 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 Bean Blossom Township flood?
Flood insurance has paid 1 claim in Bean Blossom Township since 2021, $87K in all, or 0.9 per 1,000 homes, fewer than 81% of U.S. towns with a flood insurance record.
Is Bean Blossom 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 Monroe County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Bean Blossom Township?
FEMA’s Community Rating System list shows no discount for Bean Blossom Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bean Blossom Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Bean Blossom Township’s rate for it is lower than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bean Blossom Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bean Blossom 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.