FEMA expects about as much hazard damage per building in Dick Johnson Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Dick Johnson Township gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (11%). Flood insurance has paid 3 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 Dick Johnson 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 Dick Johnson Township’s grade
River and rain flooding is 70% of the building damage FEMA expects in Dick Johnson Township, and Dick Johnson Township’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is tornadoes at 11% (higher than 82% of U.S. census tracts).
B− lower expected damage per building than 51% of U.S. towns (21,298).
Dick Johnson Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $457K a year in losses across Dick Johnson Township: $279K to buildings, the rest to people and crops.
Does Dick Johnson Township flood? Rarely: 3 flood claims since 2008
Every paid claim on a federal flood insurance policy in Dick Johnson Township, from FEMA’s records: 6.9 per 1,000 homes, more than 67% of the 13,809 U.S. towns with a flood insurance record.
- The Storm2 claims · $25K
- The Mid-spring storms1 claim · $8K
Dick Johnson 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: Clay County.The storms Dick Johnson Township remembers
None of the 17 disasters declared for Clay County shows FEMA aid or repair money reaching Dick Johnson Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20082 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Clay County
- 20111 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and, declared for Clay County
Clay 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 Dick Johnson Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dick Johnson Township archive →Dick Johnson Township and its neighbors
Dick Johnson Township is 2nd of the 4 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 |
|---|---|---|---|
| Van Buren Township | B+less damage than 68% | river and rain flooding | — |
| Dick Johnson Township | B−less damage than 51% | river and rain flooding | 3 |
| Posey Township | B−more damage than 51% | river and rain flooding | 1 |
| Nevins Township | B−more damage than 52% | river and rain flooding | 18 |
| Brazil Township | — | not graded yet | |
| Raccoon Township | — | 514 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 Dick Johnson 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 Dick Johnson Township
Is Dick Johnson Township at risk for natural disasters?
On FEMA’s National Risk Index, Dick Johnson Township has lower expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Dick Johnson Township flood?
Flood insurance has paid 3 claims in Dick Johnson Township since 2008, $33K in all, or 6.9 per 1,000 homes, more than 67% of U.S. towns with a flood insurance record. The most claims came from Storm (2).
Is Dick Johnson 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 Clay 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 Dick Johnson Township?
FEMA’s Community Rating System list shows no discount for Dick Johnson 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 Dick Johnson Township?
By flood claims, Storm: 2 paid, $25K.
Is Dick Johnson Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Dick Johnson Township’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dick Johnson Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dick Johnson 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.