FEMA puts Clark Township’s expected hazard damage per building below that of 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Clark Township gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then earthquakes (10%). Flood insurance has paid 5 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 Clark 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
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 Clark Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Clark Township, and Clark Township’s rate of river and rain flooding damage is lower than 50% of U.S. census tracts. Next is earthquakes at 10% (higher than 75% of U.S. census tracts).
B+ lower expected damage per building than 66% of U.S. towns (21,298).
All of Clark Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $740K a year in losses across Clark Township: $410K to buildings, the rest to people and crops.
Does Clark Township flood? Rarely: 5 flood claims since 2008
Every paid claim on a federal flood insurance policy in Clark Township, from FEMA’s records: 6.5 per 1,000 homes, more than 66% of the 13,809 U.S. towns with a flood insurance record.
- The Storm1 claim · $16K
- The Central U.S. April Flooding1 claim · $3K
Clark 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: Montgomery County.The storms Clark Township remembers
None of the 18 disasters declared for Montgomery County shows FEMA aid or repair money reaching Clark Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20152 flood claims paidNo declaration for the county that year
- 20081 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Montgomery County
- 20131 flood claims paidNo declaration for the county that year
Montgomery County has had 18 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 Clark Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clark Township archive →Clark Township and its neighbors
Clark Township is 3rd of the 5 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 |
|---|---|---|---|
| Jackson Township | Aless damage than 86% | river and rain flooding | — |
| Walnut Township | B+less damage than 66% | river and rain flooding | — |
| Clark Township | B+less damage than 66% | river and rain flooding | 5 |
| Franklin Township | Bless damage than 61% | river and rain flooding | — |
| Eel River Township | C+more damage than 60% | river and rain flooding | 1 |
| Scott Township | — | not graded yet | |
| Jackson Township | — | 947 residents; we grade 1,000+ | |
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 Clark 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.
- 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 Clark Township
Is Clark Township at risk for natural disasters?
On FEMA’s National Risk Index, Clark Township has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (77%) and earthquakes (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 Clark Township flood?
Flood insurance has paid 5 claims in Clark Township since 2008, $80K in all, or 6.5 per 1,000 homes, more than 66% of U.S. towns with a flood insurance record. The most claims came from Storm (1).
Is Clark 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 Montgomery County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Clark Township?
FEMA’s Community Rating System list shows no discount for Clark 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 Clark Township?
By flood claims, Storm: 1 paid, $16K.
Is Clark Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Clark Township’s rate for it is lower than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clark Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clark 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.