Photo: User:Magicpiano · CC BY-SA 4.0FEMA puts Lima Township’s expected hazard damage per building below that of 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lima Township gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns. Most of that expected damage is river and rain flooding (66%), then tornadoes (18%). 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 Lima 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
Hail
Strong wind
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 Lima Township’s grade
River and rain flooding is 66% of the building damage FEMA expects in Lima Township, and Lima Township’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Next is tornadoes at 18% (higher than 84% of U.S. census tracts).
A− lower expected damage per building than 84% of U.S. towns (21,298).
All of Lima Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $718K a year in losses across Lima Township: $497K to buildings, the rest to people and crops.
Does Lima Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lima Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lima 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: LaGrange County.The storms Lima Township remembers
None of the 9 disasters declared for LaGrange County shows FEMA aid or repair money reaching Lima Township itself in FEMA’s records, so these are its biggest flood-claim years.
LaGrange County has had 9 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Lima Township and its neighbors
Lima Township is 5th of the 7 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 |
|---|---|---|---|
| Clay Township | Aless damage than 91% | river and rain flooding | — |
| Bloomfield Township | Aless damage than 90% | river and rain flooding | 3 |
| Sturgis Township | Aless damage than 86% | river and rain flooding | — |
| Greenfield Township | A−less damage than 84% | river and rain flooding | 3 |
| Lima Township | A−less damage than 84% | river and rain flooding | 0 |
| Fawn River Township | A−less damage than 80% | river and rain flooding | — |
| Van Buren Township | A−less damage than 80% | 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.
Get ready for what Lima 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Lima Township
Is Lima Township at risk for natural disasters?
On FEMA’s National Risk Index, Lima Township has lower expected damage per building than 84% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (66%) and tornadoes (18%). 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 Lima 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 LaGrange County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Lima Township?
FEMA’s Community Rating System list shows no discount for Lima Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lima Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Lima Township’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lima Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lima 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.