On FEMA’s figures, Johnson Township faces about as much hazard damage per building as the typical U.S. town, led by river and rain flooding
On FEMA’s National Risk Index, Johnson Township gets a B− for hazard risk: higher expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (46%), then earthquakes (43%). Flood insurance has paid 8 claims here since 1993.
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 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
Earthquakes
Tornadoes
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 Johnson Township’s grade
River and rain flooding is 46% of the building damage FEMA expects in Johnson Township, and Johnson Township’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts. Next is earthquakes at 43% (higher than 86% of U.S. census tracts).
B− higher expected damage per building than 51% of U.S. towns (21,298).
Johnson Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.0M a year in losses across Johnson Township: $595K to buildings, the rest to people and crops.
Does Johnson Township flood? Rarely: 8 flood claims since 1993
Every paid claim on a federal flood insurance policy in Johnson Township, from FEMA’s records: 12.8 per 1,000 homes, more than 78% of the 13,809 U.S. towns with a flood insurance record.
- The Storm1 claim · $26K
- The Mid-spring storms1 claim · $3K
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: Knox County.The storms Johnson Township remembers
None of the 15 disasters declared for Knox County shows FEMA aid or repair money reaching Johnson Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19932 flood claims paidNo declaration for the county that year
- 20082 flood claims paidThe year of Severe Storms and Flooding, declared for Knox County
- 19951 flood claims paidNo declaration for the county that year
Knox County has had 15 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.
Old photos of Johnson Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Johnson Township archive →Johnson Township and its neighbors
Johnson Township is 3rd of the 4 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 |
|---|---|---|---|
| Harrison Township | Bless damage than 55% | river and rain flooding | — |
| Vincennes Township | B−less damage than 53% | river and rain flooding | 10 |
| Johnson Township | B−more damage than 51% | river and rain flooding | 8 |
| White River Township | Cmore damage than 72% | river and rain flooding | 14 |
| Washington Township | — | not graded yet | |
| Decker Township | — | 265 residents; we grade 1,000+ | |
| Clay Township | — | 159 residents; we grade 1,000+ | |
| Decker | — | 174 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 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.
- 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.
- 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 Johnson Township
Is Johnson Township at risk for natural disasters?
On FEMA’s National Risk Index, Johnson Township has higher expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (46%) and earthquakes (43%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Johnson Township flood?
Flood insurance has paid 8 claims in Johnson Township since 1993, $90K in all, or 12.8 per 1,000 homes, more than 78% of U.S. towns with a flood insurance record. The most claims came from Storm (1).
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 Knox County, 0.4% of all homes carry federal flood insurance.
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.
What was the biggest storm in Johnson Township?
By flood claims, Storm: 1 paid, $26K.
Is Johnson Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (46%), and Johnson Township’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Johnson Township.
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.