Photo: Nyttend · Public domainHarrison Township’s building-damage rate from tornadoes is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Harrison Township gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (66%), then tornadoes (20%). 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 Harrison 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 Harrison Township’s grade
River and rain flooding is 66% of the building damage FEMA expects in Harrison Township, and Harrison Township’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Tornadoes add 20%, at a rate in the top 4% of U.S. census tracts.
B lower expected damage per building than 60% of U.S. towns (21,298).
Harrison Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $885K a year in losses across Harrison Township: $662K to buildings, the rest to people and crops.
Does Harrison Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Harrison Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Harrison 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: Blackford County.The storms Harrison Township remembers
None of the 14 disasters declared for Blackford County shows FEMA aid or repair money reaching Harrison Township itself in FEMA’s records, so these are its biggest flood-claim years.
Blackford County has had 14 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Harrison Township and its neighbors
Harrison Township has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Harrison Township | Bless damage than 60% | river and rain flooding | 0 |
| Penn Township | B−less damage than 52% | river and rain flooding | — |
| Jackson Township | B−less damage than 52% | river and rain flooding | — |
| Chester Township | — | not graded yet | |
| Washington Township | — | 653 residents; we grade 1,000+ | |
| Knox Township | — | 386 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 Harrison 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 Harrison Township
Is Harrison Township at risk for natural disasters?
On FEMA’s National Risk Index, Harrison Township has lower expected damage per building than 60% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (66%) and tornadoes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Harrison 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 Blackford County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Harrison Township?
FEMA’s Community Rating System list shows no discount for Harrison Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Harrison Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Harrison Township’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Harrison Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harrison 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.