FEMA puts Harmony Township’s expected hazard damage per building above that of 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Harmony Township gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (65%), 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 Harmony 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
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 Harmony Township’s grade
River and rain flooding is 65% of the building damage FEMA expects in Harmony Township, and Harmony Township’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts. Strong wind adds 3%, at a rate in the top 6% of U.S. census tracts.
D higher expected damage per building than 86% of U.S. towns (21,298).
Harmony Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.3M a year in losses across Harmony Township: $1.0M to buildings, the rest to people and crops.
Does Harmony Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Harmony Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Harmony 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: Posey County.The storms Harmony Township remembers
None of the 16 disasters declared for Posey County shows FEMA aid or repair money reaching Harmony Township itself in FEMA’s records, so these are its biggest flood-claim years.
Posey 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.
Harmony Township and its neighbors
Harmony Township is 4th of the 4 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 |
|---|---|---|---|
| Robb Township | C−more damage than 77% | river and rain flooding | 32 |
| Phillips Township | C−more damage than 82% | river and rain flooding | 10 |
| Center Township | C−more damage than 82% | river and rain flooding | — |
| Harmony Township | Dmore damage than 86% | river and rain flooding | 0 |
| Hawthorne Township | — | 142 residents; we grade 1,000+ | |
| Lynn Township | — | 814 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 Harmony 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.
- 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 Harmony Township
Is Harmony Township at risk for natural disasters?
On FEMA’s National Risk Index, Harmony Township has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (65%) and earthquakes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Harmony 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 Posey County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Harmony Township?
FEMA’s Community Rating System list shows no discount for Harmony Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Harmony Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Harmony Township’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Harmony Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harmony 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.