FEMA expects less hazard damage per building in Center Township than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Center Township gets an A− for hazard risk: lower expected damage per building than 82% of U.S. towns, #115 of 593 in Indiana. Most of that expected damage is river and rain flooding (62%), then tornadoes (20%). Flood insurance has paid 288 claims here since 1980.
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 stands out about Center Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Center 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
Hail
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 Center Township’s grade
River and rain flooding is 62% of the building damage FEMA expects in Center Township, and Center Township’s rate of river and rain flooding damage is lower than 78% of U.S. census tracts. Next is tornadoes at 20% (higher than 89% of U.S. census tracts).
A− #115 of 593 in Indiana; lower expected damage per building than 82% of U.S. towns (21,298).
Center Township’s residents live in 15 census tracts; FEMA’s figures are combined by where they live.
The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Center Township has less expected damage per building than 81% of Indiana towns.
In dollars, FEMA expects about $11.9M a year in losses across Center Township: $8.1M to buildings, the rest to people and crops.
Does Center Township flood? Yes: 288 flood claims since 1980
Every paid claim on a federal flood insurance policy in Center Township, from FEMA’s records: 12.3 per 1,000 homes, more than 77% of the 13,809 U.S. towns with a flood insurance record.
Center 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: Howard County.The storms Center Township remembers
None of the 12 disasters declared for Howard County shows FEMA aid or repair money reaching Center Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201376 flood claims paidNo declaration for the county that year
- 200366 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Howard County
- 199938 flood claims paidThe year of In-winter Storm 12/23/98, declared for Howard County
Howard County has had 12 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 Center Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Center Township archive →Center Township and its neighbors
Center Township has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Center Township | A−less damage than 82% | river and rain flooding | 288 |
| Clay Township | A−less damage than 80% | river and rain flooding | 3 |
| Kokomo | A−less damage than 80% | river and rain flooding | 295 |
| Howard Township | A−less damage than 77% | river and rain flooding | 12 |
| Taylor Township | B+less damage than 73% | river and rain flooding | 9 |
| Harrison Township | B+less damage than 69% | river and rain flooding | 12 |
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 Center 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Center Township
Is Center Township at risk for natural disasters?
On FEMA’s National Risk Index, Center Township has lower expected damage per building than 82% of U.S. towns: A− for hazard risk, #115 of 593 in Indiana. Most of the expected damage is river and rain flooding (62%) and tornadoes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Center Township flood?
Flood insurance has paid 288 claims in Center Township since 1980, $5.5M in all, or 12.3 per 1,000 homes, more than 77% of U.S. towns with a flood insurance record.
Is Center 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 Howard County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Center Township?
FEMA’s Community Rating System list shows no discount for Center Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Center Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Center Township’s rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Center Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Center 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.