Photo: Nyttend · Public domainLess hazard damage per building is expected in Hamilton Township than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hamilton Township gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns, #229 of 593 in Indiana. Most of that expected damage is river and rain flooding (78%), then tornadoes (12%). Flood insurance has paid 3 claims here since 2011.
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 Hamilton 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 Hamilton Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Hamilton Township, and Hamilton Township’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Next is tornadoes at 12% (higher than 77% of U.S. census tracts).
B+ #229 of 593 in Indiana; lower expected damage per building than 67% of U.S. towns (21,298).
Hamilton Township’s residents live in 2 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, Hamilton Township has less expected damage per building than 61% of Indiana towns.
In dollars, FEMA expects about $1.9M a year in losses across Hamilton Township: $1.5M to buildings, the rest to people and crops.
Does Hamilton Township flood? Rarely: 3 flood claims since 2011
Every paid claim on a federal flood insurance policy in Hamilton Township, from FEMA’s records: 1.0 per 1,000 homes, fewer than 78% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-08-Indiana-Flooding1 claim · $11K
Hamilton 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 Hamilton Township remembers
None of the 15 disasters declared for Delaware County shows FEMA aid or repair money reaching Hamilton Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20112 flood claims paidNo declaration for the county that year
- 20261 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Delaware County
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.
Old photos of Hamilton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hamilton Township archive →Hamilton Township and its neighbors
Hamilton Township has the lowest expected damage per building of the 7 graded towns here. 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 | — |
| Harrison Township | Bless damage than 62% | river and rain flooding | — |
| Center Township | Bless damage than 58% | river and rain flooding | 109 |
| Muncie | Bless damage than 57% | river and rain flooding | 100 |
| Union Township | C+more damage than 60% | river and rain flooding | 14 |
| Delaware Township | C+more damage than 62% | 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 Hamilton 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 Hamilton Township
Is Hamilton Township at risk for natural disasters?
On FEMA’s National Risk Index, Hamilton Township has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk, #229 of 593 in Indiana. Most of the expected damage is river and rain flooding (78%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hamilton Township flood?
Flood insurance has paid 3 claims in Hamilton Township since 2011, $35K in all, or 1.0 per 1,000 homes, fewer than 78% of U.S. towns with a flood insurance record. The most claims came from 2026-08-Indiana-Flooding (1).
Is Hamilton 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 Hamilton Township?
FEMA’s Community Rating System list shows no discount for Hamilton 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 Hamilton Township?
By flood claims, 2026-08-Indiana-Flooding: 1 paid, $11K.
Is Hamilton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Hamilton Township’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hamilton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hamilton 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.