On FEMA’s figures, Haddon Township faces less hazard damage per building than 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Haddon Township gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #287 of 593 in Indiana. Most of that expected damage is river and rain flooding (57%), then earthquakes (26%). 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 Haddon 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
Earthquakes
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 Haddon Township’s grade
River and rain flooding is 57% of the building damage FEMA expects in Haddon Township, and Haddon Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Next is earthquakes at 26% (higher than 82% of U.S. census tracts).
B #287 of 593 in Indiana; lower expected damage per building than 62% of U.S. towns (21,298).
Haddon Township’s residents live in 4 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, Haddon Township has less expected damage per building than 52% of Indiana towns.
In dollars, FEMA expects about $1.2M a year in losses across Haddon Township: $574K to buildings, the rest to people and crops.
Does Haddon Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Haddon Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Haddon 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: Sullivan County.The storms Haddon Township remembers
None of the 16 disasters declared for Sullivan County shows FEMA aid or repair money reaching Haddon Township itself in FEMA’s records, so these are its biggest flood-claim years.
Sullivan County has had 16 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.
Haddon Township and its neighbors
Haddon Township is 2nd 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 | Bless damage than 64% | river and rain flooding | — |
| Haddon Township | Bless damage than 62% | river and rain flooding | 0 |
| Cass Township | Bless damage than 56% | river and rain flooding | — |
| Busseron Township | B−less damage than 54% | river and rain flooding | — |
| Widner Township | B−more damage than 51% | river and rain flooding | 5 |
| Gill Township | — | not graded yet | |
| Montgomery Township | — | 654 residents; we grade 1,000+ | |
| Jefferson Township | — | 333 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 Haddon 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Haddon Township
Is Haddon Township at risk for natural disasters?
On FEMA’s National Risk Index, Haddon Township has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #287 of 593 in Indiana. Most of the expected damage is river and rain flooding (57%) and earthquakes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Haddon 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 Sullivan County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Haddon Township?
FEMA’s Community Rating System list shows no discount for Haddon Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Haddon Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Haddon Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Haddon Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Haddon 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.