Hart Township’s building-damage rate from strong wind is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Hart Township gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (51%), then earthquakes (29%). 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 Hart 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
Strong wind
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 Hart Township’s grade
River and rain flooding is 51% of the building damage FEMA expects in Hart Township, and Hart Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 4% of U.S. census tracts.
B− lower expected damage per building than 52% of U.S. towns (21,298).
All of Hart Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $652K a year in losses across Hart Township: $485K to buildings, the rest to people and crops.
Does Hart Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hart Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hart 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: Warrick County.The storms Hart Township remembers
None of the 17 disasters declared for Warrick County shows FEMA aid or repair money reaching Hart Township itself in FEMA’s records, so these are its biggest flood-claim years.
Warrick County has had 17 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.
Hart Township and its neighbors
Hart Township is 3rd 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 |
|---|---|---|---|
| Barton Township | B−less damage than 53% | river and rain flooding | — |
| Greer Township | B−less damage than 52% | river and rain flooding | — |
| Hart Township | B−less damage than 52% | river and rain flooding | 0 |
| Campbell Township | Cmore damage than 68% | river and rain flooding | 17 |
| Boon Township | Cmore damage than 68% | river and rain flooding | 6 |
| Lane Township | — | 112 residents; we grade 1,000+ | |
| Monroe Township | — | 786 residents; we grade 1,000+ | |
| Owen Township | — | 576 residents; we grade 1,000+ | |
| Lynnville | — | 981 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 Hart 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Hart Township
Is Hart Township at risk for natural disasters?
On FEMA’s National Risk Index, Hart Township has lower expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (51%) and earthquakes (29%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Hart 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 Warrick County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Hart Township?
FEMA’s Community Rating System list shows no discount for Hart Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Hart Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Hart Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hart Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hart 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.