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Johnson, IndianaPhoto: Chris Flook · CC BY-SA 4.0
BHazard risk
Natural hazards in Johnson Township · FEMA

FEMA expects about as much hazard damage per building in Johnson Township as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Johnson Township gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns, #352 of 593 in Indiana. Most of that expected damage is river and rain flooding (50%), then earthquakes (37%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 50%Earthquakes 37%Strong wind 6%

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

less than 56%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#352 of 593 in Indiana
Hazard risk
B#352 of 593
in Indiana · lower than 56% of U.S. towns
Main hazard
River and rain flooding
50% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 19 declared for Gibson County
By hazard

What Johnson 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

50%of expected building damage
Below average · lower than 72% of U.S. census tracts
Recorded about 9 times a year in the area

Earthquakes

37%of expected building damage
Well above average · higher than 84% of U.S. census tracts

Strong wind

6%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Tornadoes Hail Ice storms Winter storms Hurricanes Heat waves top 3% Lightning Wildfire Cold waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 20% of Johnson Township’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Johnson Township’s grade

River and rain flooding is 50% of the building damage FEMA expects in Johnson Township, and Johnson Township’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 7% of U.S. census tracts.

Where Johnson Township sits
Johnson Township
Least damageMiddleMost damage

B #352 of 593 in Indiana; lower expected damage per building than 56% of U.S. towns (21,298).

All of Johnson Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding50%Earthquakes37%Strong wind6%Everything else7%

The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Johnson Township has more expected damage per building than 59% of Indiana towns.

In dollars, FEMA expects about $2.4M a year in losses across Johnson Township: $1.3M to buildings, the rest to people and crops.

Shared tract.All of Johnson Township’s 4,467 residents (2020 census) live in one census tract, which it shares with Haubstadt town (1,638 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Johnson Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Johnson Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Johnson 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: Gibson County.
Disasters

The storms Johnson Township remembers

None of the 19 disasters declared for Gibson County shows FEMA aid or repair money reaching Johnson Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Johnson TownshipGibson County only

Gibson County has had 19 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.

Next door

Johnson Township and its neighbors

Johnson Township is 2nd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Union Township: hazard risk BScott Township: hazard risk CArmstrong Township: hazard risk C+Smith Township: hazard risk C−Greer Township: hazard risk B−Union TownshipScott TownshipArmstrong TownshipSmith TownshipGreer TownshipJohnson Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Union TownshipBless damage than 57%river and rain flooding—
Johnson TownshipBless damage than 56%river and rain flooding0
Greer TownshipB−less damage than 52%river and rain flooding—
Armstrong TownshipC+more damage than 64%river and rain flooding—
Scott TownshipCmore damage than 65%river and rain flooding1
Smith TownshipC−more damage than 77%river and rain flooding—

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.

Be ready

Get ready for what Johnson 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.

When the river rises
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Johnson Township

Is Johnson Township at risk for natural disasters?

On FEMA’s National Risk Index, Johnson Township has lower expected damage per building than 56% of U.S. towns: B for hazard risk, #352 of 593 in Indiana. Most of the expected damage is river and rain flooding (50%) and earthquakes (37%). 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 Johnson 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 Gibson County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Johnson Township?

FEMA’s Community Rating System list shows no discount for Johnson Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Johnson Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (50%), and Johnson Township’s rate for it is lower than 72% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Johnson Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Johnson 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.