Photo: Huw Williams (Huwmanbeing) · Public domainOn FEMA’s figures, Lauramie Township faces less hazard damage per building than 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lauramie Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #82 of 593 in Indiana. Most of that expected damage is river and rain flooding (76%). 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 Lauramie 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
Hail
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 Lauramie Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Lauramie Township, and Lauramie Township’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Next is earthquakes at 8% (higher than 66% of U.S. census tracts).
A #82 of 593 in Indiana; lower expected damage per building than 87% of U.S. towns (21,298).
All of Lauramie 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, Lauramie Township has less expected damage per building than 86% of Indiana towns.
In dollars, FEMA expects about $938K a year in losses across Lauramie Township: $479K to buildings, the rest to people and crops.
Does Lauramie Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lauramie Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lauramie 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: Tippecanoe County.The storms Lauramie Township remembers
None of the 11 disasters declared for Tippecanoe County shows FEMA aid or repair money reaching Lauramie Township itself in FEMA’s records, so these are its biggest flood-claim years.
Tippecanoe County has had 11 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.
Lauramie Township and its neighbors
Lauramie Township is 3rd of the 3 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 |
|---|---|---|---|
| Madison Township | Aless damage than 93% | river and rain flooding | — |
| Sheffield Township | Aless damage than 88% | river and rain flooding | 2 |
| Lauramie Township | Aless damage than 87% | river and rain flooding | 0 |
| Randolph Township | — | 708 residents; we grade 1,000+ | |
| Sugar Creek Township | — | 255 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 Lauramie 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Lauramie Township
Is Lauramie Township at risk for natural disasters?
On FEMA’s National Risk Index, Lauramie Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #82 of 593 in Indiana. Most of the expected damage is river and rain flooding (76%) and earthquakes (8%). 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 Lauramie 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 Tippecanoe County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Lauramie Township?
FEMA’s Community Rating System list shows no discount for Lauramie Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lauramie Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Lauramie Township’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lauramie Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lauramie 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.