FEMA expects less hazard damage per building in Coolspring Township than in 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Coolspring Township gets an A for hazard risk: lower expected damage per building than 91% of U.S. towns, #57 of 593 in Indiana. Most of that expected damage is river and rain flooding (68%), then tornadoes (20%). Flood insurance has paid 10 claims here since 1986.
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 Coolspring 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
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 Coolspring Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Coolspring Township, and Coolspring Township’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Next is tornadoes at 20% (higher than 81% of U.S. census tracts).
A #57 of 593 in Indiana; lower expected damage per building than 91% of U.S. towns (21,298).
Coolspring Township’s residents live in 8 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, Coolspring Township has less expected damage per building than 91% of Indiana towns.
In dollars, FEMA expects about $4.9M a year in losses across Coolspring Township: $2.6M to buildings, the rest to people and crops.
Does Coolspring Township flood? Sometimes: 10 flood claims since 1986
Every paid claim on a federal flood insurance policy in Coolspring Township, from FEMA’s records: 1.3 per 1,000 homes, fewer than 71% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike2 claims · $10K
Coolspring 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 Coolspring Township remembers
None of the 15 disasters declared for LaPorte County shows FEMA aid or repair money reaching Coolspring Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20083 flood claims paidThe year of Severe Storms and Flooding, declared for LaPorte County
- 19862 flood claims paidNo declaration for the county that year
- 19901 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 Coolspring Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coolspring Township archive →Coolspring Township and its neighbors
Coolspring Township is 3rd 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 |
|---|---|---|---|
| New Durham Township | A+less damage than 95% | river and rain flooding | 2 |
| Michigan City | Aless damage than 92% | river and rain flooding | 20 |
| Coolspring Township | Aless damage than 91% | river and rain flooding | 10 |
| Michigan Township | Aless damage than 90% | river and rain flooding | 19 |
| Center Township | A−less damage than 81% | river and rain flooding | 24 |
| Pine Township | A−less damage than 79% | river and rain flooding | — |
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 Coolspring 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.
- 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 Coolspring Township
Is Coolspring Township at risk for natural disasters?
On FEMA’s National Risk Index, Coolspring Township has lower expected damage per building than 91% of U.S. towns: A for hazard risk, #57 of 593 in Indiana. Most of the expected damage is river and rain flooding (68%) and tornadoes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Coolspring Township flood?
Flood insurance has paid 10 claims in Coolspring Township since 1986, $26K in all, or 1.3 per 1,000 homes, fewer than 71% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (2).
Is Coolspring 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 Coolspring Township?
FEMA’s Community Rating System list shows no discount for Coolspring 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 Coolspring Township?
By flood claims, Hurricane Ike: 2 paid, $10K.
Is Coolspring Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Coolspring Township’s rate for it is lower than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coolspring Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coolspring 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.