Photo: Stumbledwalker · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Georgetown Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Georgetown Township gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns, #475 of 593 in Indiana. Most of that expected damage is river and rain flooding (78%), then tornadoes (14%). Flood insurance has paid 12 claims here since 1997.
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 Georgetown 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 Georgetown Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Georgetown Township, and Georgetown Township’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 8% of U.S. census tracts.
C+ #475 of 593 in Indiana; higher expected damage per building than 59% of U.S. towns (21,298).
Georgetown Township’s residents live in 3 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, Georgetown Township has more expected damage per building than 80% of Indiana towns.
In dollars, FEMA expects about $5.0M a year in losses across Georgetown Township: $2.9M to buildings, the rest to people and crops.
Does Georgetown Township flood? Sometimes: 12 flood claims since 1997
Every paid claim on a federal flood insurance policy in Georgetown Township, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $1K
Georgetown 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: Floyd County.The storms Georgetown Township remembers
None of the 14 disasters declared for Floyd County shows FEMA aid or repair money reaching Georgetown Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20003 flood claims paidNo declaration for the county that year
- 20062 flood claims paidNo declaration for the county that year
- 20092 flood claims paidThe year of Severe Winter Storm, declared for Floyd County
Floyd County has had 14 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 Georgetown Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Georgetown Township archive →Georgetown Township and its neighbors
Georgetown Township is 2nd of the 7 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 |
|---|---|---|---|
| Lafayette Township | C+more damage than 56% | river and rain flooding | 4 |
| Georgetown Township | C+more damage than 59% | river and rain flooding | 12 |
| Greenville Township | C+more damage than 60% | river and rain flooding | 1 |
| New Albany Township | C+more damage than 64% | river and rain flooding | 119 |
| Franklin Township | C+more damage than 64% | river and rain flooding | 3 |
| Franklin Township | Cmore damage than 70% | river and rain flooding | 44 |
| Jackson Township | Cmore damage than 71% | 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 Georgetown 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 Georgetown Township
Is Georgetown Township at risk for natural disasters?
On FEMA’s National Risk Index, Georgetown Township has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk, #475 of 593 in Indiana. Most of the expected damage is river and rain flooding (78%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Georgetown Township flood?
Flood insurance has paid 12 claims in Georgetown Township since 1997, $89K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
Is Georgetown 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 Floyd County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Georgetown Township?
FEMA’s Community Rating System list shows no discount for Georgetown 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 Georgetown Township?
By flood claims, Mid-spring storms: 1 paid, $1K.
Is Georgetown Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Georgetown Township’s rate for it is higher than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Georgetown Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Georgetown 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.