Photo: Nyttend · Public domainLexington Township’s building-damage rate from tornadoes is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Lexington Township gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #442 of 593 in Indiana. Most of that expected damage is river and rain flooding (71%), then tornadoes (17%). 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 Lexington 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 Lexington Township’s grade
River and rain flooding is 71% of the building damage FEMA expects in Lexington Township, and Lexington Township’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 5% of U.S. census tracts.
B− #442 of 593 in Indiana; higher expected damage per building than 53% of U.S. towns (21,298).
All of Lexington 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, Lexington Township has more expected damage per building than 74% of Indiana towns.
In dollars, FEMA expects about $1.2M a year in losses across Lexington Township: $579K to buildings, the rest to people and crops.
Does Lexington Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lexington Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lexington 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: Scott County.2 federal disasters brought FEMA money to Lexington Township
Disasters that paid out in Lexington Township itself (aid to households or repair grants to Lexington Township), newest first, with that year’s flood claims.
- 2008Severe Storms and Flooding101 households applied for aid$94K aid approved
- 2005Severe Winter Storms and Flooding5 households applied for aid$13K aid approved
Scott County has had 14 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 Lexington Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lexington Township archive →Lexington Township and its neighbors
Lexington Township is 3rd of the 8 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 |
|---|---|---|---|
| Vienna Township | Bless damage than 60% | river and rain flooding | 2 |
| Johnson Township | B−less damage than 53% | river and rain flooding | 1 |
| Lexington Township | B−more damage than 53% | river and rain flooding | 0 |
| Saluda Township | C+more damage than 56% | river and rain flooding | — |
| Republican Township | C+more damage than 56% | river and rain flooding | — |
| Graham Township | C+more damage than 58% | river and rain flooding | — |
| Oregon Township | Cmore damage than 68% | river and rain flooding | — |
| Washington Township | Cmore damage than 68% | river and rain flooding | 113 |
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 Lexington 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 Lexington Township
Is Lexington Township at risk for natural disasters?
On FEMA’s National Risk Index, Lexington Township has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #442 of 593 in Indiana. Most of the expected damage is river and rain flooding (71%) and tornadoes (17%). 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 Lexington 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 Scott County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Lexington Township?
FEMA’s Community Rating System list shows no discount for Lexington 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 Lexington Township?
By FEMA money that reached Lexington Township, Severe Storms and Flooding (2008): 101 households applied for aid, $94K approved.
Is Lexington Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Lexington Township’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lexington Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lexington 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.