Hensley Township’s building-damage rate from tornadoes is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Hensley Township gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns, #324 of 593 in Indiana. Most of that expected damage is river and rain flooding (67%), then tornadoes (22%). 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 Hensley 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 Hensley Township’s grade
River and rain flooding is 67% of the building damage FEMA expects in Hensley Township, and Hensley Township’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Tornadoes add 22%, at a rate in the top 3% of U.S. census tracts.
B #324 of 593 in Indiana; lower expected damage per building than 58% of U.S. towns (21,298).
All of Hensley Township’s residents live in one census tract; the figures are that tract’s.
The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Hensley Township has more expected damage per building than 55% of Indiana towns.
In dollars, FEMA expects about $1.3M a year in losses across Hensley Township: $970K to buildings, the rest to people and crops.
Does Hensley Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hensley Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hensley 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: Johnson County.The storms Hensley Township remembers
None of the 13 disasters declared for Johnson County shows FEMA aid or repair money reaching Hensley Township itself in FEMA’s records, so these are its biggest flood-claim years.
Johnson County has had 13 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.
Hensley Township and its neighbors
Hensley 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 |
|---|---|---|---|
| Hensley Township | Bless damage than 58% | river and rain flooding | 0 |
| Nineveh Township | Bless damage than 58% | river and rain flooding | 5 |
| Morgantown | Bless damage than 57% | river and rain flooding | 1 |
| Hamblen Township | B−more damage than 52% | river and rain flooding | 46 |
| Union Township | C+more damage than 55% | river and rain flooding | 15 |
| Jackson Township | — | not graded yet | |
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 Hensley 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 Hensley Township
Is Hensley Township at risk for natural disasters?
On FEMA’s National Risk Index, Hensley Township has lower expected damage per building than 58% of U.S. towns: B for hazard risk, #324 of 593 in Indiana. Most of the expected damage is river and rain flooding (67%) and tornadoes (22%). 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 Hensley 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 Johnson County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Hensley Township?
FEMA’s Community Rating System list shows no discount for Hensley Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Hensley Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Hensley Township’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hensley Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hensley 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.