Photo: Chris Flook · CC BY-SA 4.0On FEMA’s figures, Cloverdale Township faces more hazard damage per building than 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cloverdale Township gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns, #517 of 593 in Indiana. Most of that expected damage is river and rain flooding (77%), then tornadoes (11%). FEMA’s files show no paid flood insurance claims here.
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 Cloverdale 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
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 Cloverdale Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Cloverdale Township, and Cloverdale Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Next is tornadoes at 11% (higher than 88% of U.S. census tracts).
C+ #517 of 593 in Indiana; higher expected damage per building than 64% of U.S. towns (21,298).
Cloverdale Township’s residents live in 2 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, Cloverdale Township has more expected damage per building than 87% of Indiana towns.
In dollars, FEMA expects about $1.7M a year in losses across Cloverdale Township: $1.1M to buildings, the rest to people and crops.
Does Cloverdale Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cloverdale Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cloverdale 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: Putnam County.2 federal disasters brought FEMA money to Cloverdale Township
Disasters that paid out in Cloverdale Township itself (aid to households or repair grants to Cloverdale Township), newest first, with that year’s flood claims.
- 2007Snow$7K to Cloverdale Township for repairs
- 1999In-winter Storm 12/23/98$2K to Cloverdale Township for repairs
Putnam County has had 17 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 Cloverdale Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cloverdale Township archive →Cloverdale Township and its neighbors
Cloverdale Township is 2nd of the 6 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 |
|---|---|---|---|
| Jefferson Township | C+more damage than 63% | river and rain flooding | — |
| Cloverdale Township | C+more damage than 64% | river and rain flooding | 0 |
| Warren Township | Cmore damage than 66% | river and rain flooding | — |
| Washington Township | Cmore damage than 68% | river and rain flooding | 3 |
| Ashland Township | Cmore damage than 68% | river and rain flooding | — |
| Taylor Township | Cmore damage than 70% | river and rain flooding | — |
| Jennings Township | — | 503 residents; we grade 1,000+ | |
| Harrison Township | — | 570 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 Cloverdale 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.
- 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 Cloverdale Township
Is Cloverdale Township at risk for natural disasters?
On FEMA’s National Risk Index, Cloverdale Township has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk, #517 of 593 in Indiana. Most of the expected damage is river and rain flooding (77%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cloverdale 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 Putnam County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Cloverdale Township?
FEMA’s Community Rating System list shows no discount for Cloverdale 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 Cloverdale Township?
By FEMA money that reached Cloverdale Township, Snow (2007): $7K to Cloverdale Township for repairs.
Is Cloverdale Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Cloverdale Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cloverdale Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cloverdale 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.