Photo: Chris Flook · CC BY-SA 4.0Flat Rock Township’s building-damage rate from tornadoes is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Flat Rock Township gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (74%), then tornadoes (16%). 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 Flat Rock 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 Flat Rock Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Flat Rock Township, and Flat Rock Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Tornadoes add 16%, at a rate in the top 4% of U.S. census tracts.
C+ higher expected damage per building than 59% of U.S. towns (21,298).
Flat Rock Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $592K a year in losses across Flat Rock Township: $411K to buildings, the rest to people and crops.
Does Flat Rock Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Flat Rock Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Flat Rock 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: Bartholomew County.The storms Flat Rock Township remembers
None of the 10 disasters declared for Bartholomew County shows FEMA aid or repair money reaching Flat Rock Township itself in FEMA’s records, so these are its biggest flood-claim years.
Bartholomew County has had 10 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Flat Rock Township and its neighbors
Flat Rock 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 |
|---|---|---|---|
| German Township | B−less damage than 52% | river and rain flooding | 6 |
| Haw Creek Township | C+more damage than 58% | river and rain flooding | 27 |
| Flat Rock Township | C+more damage than 59% | river and rain flooding | 0 |
| Washington Township | C+more damage than 64% | river and rain flooding | 27 |
| Clay Township | Cmore damage than 71% | river and rain flooding | — |
| Columbus Township | — | not graded yet | |
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 Flat Rock 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 Flat Rock Township
Is Flat Rock Township at risk for natural disasters?
On FEMA’s National Risk Index, Flat Rock Township has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (74%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Flat Rock 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 Bartholomew County, 18% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Flat Rock Township?
FEMA’s Community Rating System list shows no discount for Flat Rock Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Flat Rock Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Flat Rock Township’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Flat Rock Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Flat Rock 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.