County Line Bridge · Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Blue River Township than in 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Blue River Township gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then tornadoes (12%). Flood insurance has paid 3 claims here since 2008.
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 Blue River 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
Earthquakes
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 Blue River Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Blue River Township, and Blue River Township’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Next is tornadoes at 12% (higher than 79% of U.S. census tracts).
B lower expected damage per building than 63% of U.S. towns (21,298).
All of Blue River Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $493K a year in losses across Blue River Township: $362K to buildings, the rest to people and crops.
Does Blue River Township flood? Rarely: 3 flood claims since 2008
Every paid claim on a federal flood insurance policy in Blue River Township, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.
- The Storm1 claim · $11K
Blue River 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: Hancock County.The storms Blue River Township remembers
None of the 15 disasters declared for Hancock County shows FEMA aid or repair money reaching Blue River Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20081 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Hancock County
- 20131 flood claims paidNo declaration for the county that year
- 20181 flood claims paidNo declaration for the county that year
Hancock County has had 15 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 Blue River Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Blue River Township archive →Blue River Township and its neighbors
Blue River Township is 5th of the 6 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 |
|---|---|---|---|
| Center Township | B+less damage than 67% | river and rain flooding | 19 |
| Hanover Township | B+less damage than 66% | river and rain flooding | — |
| Brandywine Township | Bless damage than 63% | river and rain flooding | — |
| Jackson Township | Bless damage than 63% | river and rain flooding | — |
| Blue River Township | Bless damage than 63% | river and rain flooding | 3 |
| Ripley Township | B−less damage than 53% | river and rain flooding | 1 |
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 Blue River 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Blue River Township
Is Blue River Township at risk for natural disasters?
On FEMA’s National Risk Index, Blue River Township has lower expected damage per building than 63% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (77%) and tornadoes (12%). 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 Blue River Township flood?
Flood insurance has paid 3 claims in Blue River Township since 2008, $15K in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. The most claims came from Storm (1).
Is Blue River 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 Hancock County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Blue River Township?
FEMA’s Community Rating System list shows no discount for Blue River 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 Blue River Township?
By flood claims, Storm: 1 paid, $11K.
Is Blue River Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Blue River Township’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Blue River Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Blue River 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.