Photo: Mpevans · Public domainFEMA puts Hanover Township’s expected hazard damage per building below that of 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hanover Township gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #239 of 593 in Indiana. Most of that expected damage is river and rain flooding (66%), then tornadoes (21%). Flood insurance has paid 96 claims here since 1978.
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 stands out about Hanover Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Hanover 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 Hanover Township’s grade
River and rain flooding is 66% of the building damage FEMA expects in Hanover Township, and Hanover Township’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 4% of U.S. census tracts.
B+ #239 of 593 in Indiana; lower expected damage per building than 66% of U.S. towns (21,298).
Hanover 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, Hanover Township has less expected damage per building than 60% of Indiana towns.
In dollars, FEMA expects about $1.9M a year in losses across Hanover Township: $915K to buildings, the rest to people and crops.
Does Hanover Township flood? Sometimes: 96 flood claims since 1978
Every paid claim on a federal flood insurance policy in Hanover Township, from FEMA’s records: 46.2 per 1,000 homes, more than 92% of the 13,809 U.S. towns with a flood insurance record.
- The Central U.S. April Flooding23 claims · $867K
- The Mid-spring storms6 claims · $65K
Hanover 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: Jefferson County.The storms Hanover Township remembers
None of the 22 disasters declared for Jefferson County shows FEMA aid or repair money reaching Hanover Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199726 flood claims paidThe year of Severe Storms and Flooding, declared for Jefferson County
- 201823 flood claims paidThe year of Severe Storms and Flooding, declared for Jefferson County
- 202523 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Jefferson County
Jefferson County has had 22 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 Hanover Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hanover Township archive →Hanover Township and its neighbors
Hanover Township has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hanover Township | B+less damage than 66% | river and rain flooding | 96 |
| Saluda Township | C+more damage than 56% | river and rain flooding | — |
| Republican Township | C+more damage than 56% | river and rain flooding | — |
| Madison | C+more damage than 62% | river and rain flooding | 71 |
| Madison Township | C+more damage than 62% | river and rain flooding | 82 |
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 Hanover 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 Hanover Township
Is Hanover Township at risk for natural disasters?
On FEMA’s National Risk Index, Hanover Township has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #239 of 593 in Indiana. Most of the expected damage is river and rain flooding (66%) and tornadoes (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hanover Township flood?
Flood insurance has paid 96 claims in Hanover Township since 1978, $2.2M in all, or 46.2 per 1,000 homes, more than 92% of U.S. towns with a flood insurance record. The most claims came from Central U.S. April Flooding (23).
Is Hanover 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 Jefferson County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Hanover Township?
FEMA’s Community Rating System list shows no discount for Hanover 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 Hanover Township?
By flood claims, Central U.S. April Flooding: 23 paid, $867K.
Is Hanover Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Hanover Township’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hanover Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hanover 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.