For tornadoes, Lawrenceburg Township’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Lawrenceburg Township gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #279 of 593 in Indiana. Most of that expected damage is river and rain flooding (68%), then tornadoes (21%). Flood insurance has paid 4 claims here since 1997.
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 Lawrenceburg 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
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 Lawrenceburg Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Lawrenceburg Township, and Lawrenceburg Township’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 4% of U.S. census tracts.
B #279 of 593 in Indiana; lower expected damage per building than 62% of U.S. towns (21,298).
Lawrenceburg Township’s residents live in 3 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, Lawrenceburg Township has less expected damage per building than 53% of Indiana towns.
In dollars, FEMA expects about $4.4M a year in losses across Lawrenceburg Township: $3.1M to buildings, the rest to people and crops.
Does Lawrenceburg Township flood? Rarely: 4 flood claims since 1997
Every paid claim on a federal flood insurance policy in Lawrenceburg 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 Central U.S. April Flooding1 claim · $14K
Lawrenceburg 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: Dearborn County.The storms Lawrenceburg Township remembers
None of the 18 disasters declared for Dearborn County shows FEMA aid or repair money reaching Lawrenceburg Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19971 flood claims paidThe year of Severe Storms and Flooding, declared for Dearborn County
- 20181 flood claims paidThe year of Severe Storms and Flooding, declared for Dearborn County
- 20231 flood claims paidNo declaration for the county that year
Dearborn County has had 18 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 Lawrenceburg Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lawrenceburg Township archive →Lawrenceburg Township and its neighbors
Lawrenceburg Township is 4th of the 9 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 |
|---|---|---|---|
| Hidden Valley | B+less damage than 74% | river and rain flooding | 1 |
| Miller Township | B+less damage than 73% | river and rain flooding | 2 |
| Lawrenceburg | B+less damage than 66% | river and rain flooding | 6 |
| Lawrenceburg Township | Bless damage than 62% | river and rain flooding | 4 |
| Greendale | Bless damage than 59% | river and rain flooding | 4 |
| Miami Township | B−more damage than 53% | river and rain flooding | 51 |
| Whitewater Township | Cmore damage than 74% | river and rain flooding | 23 |
| Center Township | C−more damage than 78% | river and rain flooding | 39 |
| Aurora | C−more damage than 82% | river and rain flooding | 42 |
| Shawnee | — | 739 residents; we grade 1,000+ | |
| Petersburg | — | 771 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 Lawrenceburg 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.
- 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 Lawrenceburg Township
Is Lawrenceburg Township at risk for natural disasters?
On FEMA’s National Risk Index, Lawrenceburg Township has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #279 of 593 in Indiana. Most of the expected damage is river and rain flooding (68%) and tornadoes (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lawrenceburg Township flood?
Flood insurance has paid 4 claims in Lawrenceburg Township since 1997, $77K 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 Central U.S. April Flooding (1).
Is Lawrenceburg 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 Dearborn County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Lawrenceburg Township?
FEMA’s Community Rating System list shows no discount for Lawrenceburg 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 Lawrenceburg Township?
By flood claims, Central U.S. April Flooding: 1 paid, $14K.
Is Lawrenceburg Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Lawrenceburg Township’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lawrenceburg Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lawrenceburg 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.