Photo: Nyttend · Public domainFEMA puts Delaware Township’s expected hazard damage per building above that of 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Delaware Township gets a C+ for hazard risk: higher expected damage per building than 62% of U.S. towns, #505 of 593 in Indiana. Most of that expected damage is river and rain flooding (84%). 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 Delaware 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 Delaware Township’s grade
River and rain flooding is 84% of the building damage FEMA expects in Delaware Township, and Delaware Township’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts. Next is tornadoes at 8% (higher than 77% of U.S. census tracts).
C+ #505 of 593 in Indiana; higher expected damage per building than 62% of U.S. towns (21,298).
All of Delaware Township’s residents live in one census tract; the figures are that tract’s.
The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Delaware Township has more expected damage per building than 85% of Indiana towns.
In dollars, FEMA expects about $1.1M a year in losses across Delaware Township: $941K to buildings, the rest to people and crops.
Does Delaware Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Delaware Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Delaware 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: Delaware County.The storms Delaware Township remembers
None of the 15 disasters declared for Delaware County shows FEMA aid or repair money reaching Delaware Township itself in FEMA’s records, so these are its biggest flood-claim years.
Delaware County has had 15 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.
Delaware Township and its neighbors
Delaware Township is 4th 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 |
|---|---|---|---|
| Hamilton Township | B+less damage than 67% | river and rain flooding | 3 |
| Liberty Township | Bless damage than 62% | river and rain flooding | — |
| Niles Township | C+more damage than 62% | river and rain flooding | 23 |
| Delaware Township | C+more damage than 62% | river and rain flooding | 0 |
| Green Township | Cmore damage than 67% | river and rain flooding | 1 |
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 Delaware 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 Delaware Township
Is Delaware Township at risk for natural disasters?
On FEMA’s National Risk Index, Delaware Township has higher expected damage per building than 62% of U.S. towns: C+ for hazard risk, #505 of 593 in Indiana. Most of the expected damage is river and rain flooding (84%) and tornadoes (8%). 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.
Is Delaware 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 Delaware County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Delaware Township?
FEMA’s Community Rating System list shows no discount for Delaware Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Delaware Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Delaware Township’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Delaware Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Delaware 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.