More hazard damage per building is expected in Cass Township than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cass Township gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 9 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 Cass 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 Cass Township’s grade
River and rain flooding is 84% of the building damage FEMA expects in Cass Township, and Cass Township’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts. Next is tornadoes at 10% (higher than 84% of U.S. census tracts).
C higher expected damage per building than 67% of U.S. towns (21,298).
All of Cass Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $950K a year in losses across Cass Township: $620K to buildings, the rest to people and crops.
Does Cass Township flood? Rarely: 9 flood claims since 1982
Every paid claim on a federal flood insurance policy in Cass Township, from FEMA’s records: 12.4 per 1,000 homes, more than 77% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $20K
Cass 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: LaPorte County.The storms Cass Township remembers
None of the 15 disasters declared for LaPorte County shows FEMA aid or repair money reaching Cass Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20184 flood claims paidThe year of Severe Storms and Flooding, declared for LaPorte County
- 20082 flood claims paidThe year of Severe Storms and Flooding, declared for LaPorte County
- 19821 flood claims paidThe year of Severe Storms and Flooding, declared for LaPorte County
LaPorte 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 Cass Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cass Township archive →Cass Township and its neighbors
Cass Township is 4th of the 4 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 |
|---|---|---|---|
| Morgan Township | Aless damage than 85% | river and rain flooding | — |
| Clinton Township | B+less damage than 74% | river and rain flooding | 1 |
| Pleasant Township | B+less damage than 68% | river and rain flooding | — |
| Cass Township | Cmore damage than 67% | river and rain flooding | 9 |
| Dewey 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 Cass 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 Cass Township
Is Cass Township at risk for natural disasters?
On FEMA’s National Risk Index, Cass Township has higher expected damage per building than 67% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (84%) and tornadoes (10%). 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 Cass Township flood?
Flood insurance has paid 9 claims in Cass Township since 1982, $148K in all, or 12.4 per 1,000 homes, more than 77% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (1).
Is Cass 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 LaPorte County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Cass Township?
FEMA’s Community Rating System list shows no discount for Cass 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 Cass Township?
By flood claims, Hurricane Ike: 1 paid, $20K.
Is Cass Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Cass Township’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cass Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cass 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.