FEMA puts Campbell Township’s expected hazard damage per building above that of 82% 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 82% of U.S. towns. Most of that expected damage is river and rain flooding (82%), then tornadoes (12%). Flood insurance has paid 3 claims here since 1997.
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
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 Campbell Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Campbell Township, and Campbell Township’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts. Tornadoes add 12%, at a rate in the top 3% of U.S. census tracts.
C− higher expected damage per building than 82% of U.S. towns (21,298).
Campbell Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $514K a year in losses across Campbell Township: $405K to buildings, the rest to people and crops.
Does Campbell Township flood? Rarely: 3 flood claims since 1997
Every paid claim on a federal flood insurance policy in Campbell Township, from FEMA’s records: 5.3 per 1,000 homes, more than 62% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $21K
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: Jennings County.The storms Campbell Township remembers
None of the 15 disasters declared for Jennings County shows FEMA aid or repair money reaching Campbell Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19971 flood claims paidNo declaration for the county that year
- 20021 flood claims paidNo declaration for the county that year
- 20111 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and, declared for Jennings County
Jennings County has had 15 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 2nd of the 2 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 52% | river and rain flooding | 2 |
| Campbell Township | C−more damage than 82% | river and rain flooding | 3 |
| Bigger Township | — | 702 residents; we grade 1,000+ | |
| Columbia Township | — | not graded yet | |
| Sand Creek Township | — | 459 residents; we grade 1,000+ | |
| Shelby Township | — | not graded yet | |
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.
- 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 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 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Campbell Township flood?
Flood insurance has paid 3 claims in Campbell Township since 1997, $45K in all, or 5.3 per 1,000 homes, more than 62% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
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 Jennings County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% 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: 1 paid, $21K.
Is Campbell Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Campbell Township’s rate for it is higher than 87% 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.