For tornadoes, Henry Township’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Henry Township gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns, #335 of 593 in Indiana. Most of that expected damage is river and rain flooding (64%), then tornadoes (23%). Flood insurance has paid 8 claims here since 2000.
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 Henry 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 Henry Township’s grade
River and rain flooding is 64% of the building damage FEMA expects in Henry Township, and Henry Township’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Tornadoes add 23%, at a rate in the top 2% of U.S. census tracts.
B #335 of 593 in Indiana; lower expected damage per building than 58% of U.S. towns (21,298).
Henry Township’s residents live in 9 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, Henry Township has more expected damage per building than 56% of Indiana towns.
In dollars, FEMA expects about $6.6M a year in losses across Henry Township: $5.3M to buildings, the rest to people and crops.
Does Henry Township flood? Rarely: 8 flood claims since 2000
Every paid claim on a federal flood insurance policy in Henry Township, from FEMA’s records: 0.8 per 1,000 homes, fewer than 83% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-08-Indiana-Flooding4 claims · $352K
Henry 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: Henry County.The storms Henry Township remembers
None of the 16 disasters declared for Henry County shows FEMA aid or repair money reaching Henry Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20264 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Henry County
- 20001 flood claims paidNo declaration for the county that year
- 20101 flood claims paidNo declaration for the county that year
Henry 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.
Old photos of Henry Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Henry Township archive →Henry Township and its neighbors
Henry Township is 2nd of the 7 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 |
|---|---|---|---|
| Franklin Township | Bless damage than 58% | river and rain flooding | 3 |
| Henry Township | Bless damage than 58% | river and rain flooding | 8 |
| Spiceland Township | B−less damage than 55% | river and rain flooding | — |
| Prairie Township | B−less damage than 52% | river and rain flooding | — |
| Harrison Township | B−less damage than 50% | river and rain flooding | — |
| Greensboro Township | B−more damage than 50% | river and rain flooding | — |
| Liberty Township | B−more damage than 54% | river and rain flooding | 2 |
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 Henry 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 Henry Township
Is Henry Township at risk for natural disasters?
On FEMA’s National Risk Index, Henry Township has lower expected damage per building than 58% of U.S. towns: B for hazard risk, #335 of 593 in Indiana. Most of the expected damage is river and rain flooding (64%) and tornadoes (23%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Henry Township flood?
Flood insurance has paid 8 claims in Henry Township since 2000, $381K in all, or 0.8 per 1,000 homes, fewer than 83% of U.S. towns with a flood insurance record. The most claims came from 2026-08-Indiana-Flooding (4).
Is Henry 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 Henry County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Henry Township?
FEMA’s Community Rating System list shows no discount for Henry 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 Henry Township?
By flood claims, 2026-08-Indiana-Flooding: 4 paid, $352K.
Is Henry Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Henry Township’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Henry Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Henry 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.