On FEMA’s figures, Campbell Township faces more hazard damage per building than 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Campbell Township gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (57%), then earthquakes (27%). Flood insurance has paid 17 claims here since 1982.
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 Campbell 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
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 Campbell Township’s grade
River and rain flooding is 57% of the building damage FEMA expects in Campbell Township, and Campbell Township’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 4% of U.S. census tracts.
C higher expected damage per building than 68% of U.S. towns (21,298).
All of Campbell Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $468K a year in losses across Campbell Township: $355K to buildings, the rest to people and crops.
Does Campbell Township flood? Sometimes: 17 flood claims since 1982
Every paid claim on a federal flood insurance policy in Campbell Township, from FEMA’s records: 36.4 per 1,000 homes, more than 90% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms3 claims · $47K
- The March storm2 claims · $12K
- The Central U.S. April Flooding1 claim · $54K
Campbell 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: Warrick County.The storms Campbell Township remembers
None of the 17 disasters declared for Warrick County shows FEMA aid or repair money reaching Campbell Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20063 flood claims paidThe year of Severe Storms and Flooding, declared for Warrick County
- 20113 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and, declared for Warrick County
- 19962 flood claims paidThe year of Severe Storms and Flooding, declared for Warrick County
Warrick County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Campbell Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Campbell Township archive →Campbell Township and its neighbors
Campbell Township is 4th of the 8 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 |
|---|---|---|---|
| Hart Township | B−less damage than 52% | river and rain flooding | — |
| Greer Township | B−less damage than 52% | river and rain flooding | — |
| Scott Township | Cmore damage than 65% | river and rain flooding | 1 |
| Campbell Township | Cmore damage than 68% | river and rain flooding | 17 |
| Boon Township | Cmore damage than 68% | river and rain flooding | 6 |
| Knight Township | Cmore damage than 70% | river and rain flooding | 169 |
| Ohio Township | Cmore damage than 73% | river and rain flooding | 3 |
| Center Township | C−more damage than 83% | river and rain flooding | 19 |
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 Campbell 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.
- 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 Campbell Township
Is Campbell Township at risk for natural disasters?
On FEMA’s National Risk Index, Campbell Township has higher expected damage per building than 68% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (57%) and earthquakes (27%). 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 Campbell Township flood?
Flood insurance has paid 17 claims in Campbell Township since 1982, $226K in all, or 36.4 per 1,000 homes, more than 90% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (3).
Is Campbell 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 Warrick County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Campbell Township?
FEMA’s Community Rating System list shows no discount for Campbell 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 Campbell Township?
By flood claims, Mid-spring storms: 3 paid, $47K.
Is Campbell Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Campbell Township’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Campbell Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Campbell 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.