Photo: Nyttend · Public domainOn FEMA’s figures, Markle faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Markle gets a B for hazard risk: lower expected damage per building than 55% of U.S. towns. Most of that expected damage is river and rain flooding (74%), then tornadoes (17%). Flood insurance has paid 1 claim here since 1996.
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 Markle 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 Markle’s grade
River and rain flooding is 74% of the building damage FEMA expects in Markle, and Markle’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 8% of U.S. census tracts.
B lower expected damage per building than 55% of U.S. towns (21,298).
Markle’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $403K a year in losses across Markle: $282K to buildings, the rest to people and crops.
Does Markle flood? Rarely: 1 flood claim since 1996
Every paid claim on a federal flood insurance policy in Markle, from FEMA’s records: 1.9 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
Markle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Huntington County.4 federal disasters brought FEMA money to Markle
Disasters that paid out in Markle itself (aid to households or repair grants to the Town of Markle), newest first, with that year’s flood claims.
- 2014Severe Winter Storm and Snowstorm$2K to the Town of Markle for repairs
- 2007Snow$2K to the Town of Markle for repairs
- 2003Severe Storms, Tornadoes, and Flooding2 households applied for aid$1K aid approved
- 1999In-winter Storm 12/23/98$878 to the Town of Markle for repairs
Huntington County has had 12 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.
Old photos of Markle after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Markle archive →Markle and its neighbors
Markle 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 |
|---|---|---|---|
| Union Township | Bless damage than 64% | river and rain flooding | 17 |
| Rock Creek Township | Bless damage than 62% | river and rain flooding | — |
| Markle | Bless damage than 55% | river and rain flooding | 1 |
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 Markle 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 Markle
Is Markle at risk for natural disasters?
On FEMA’s National Risk Index, Markle has lower expected damage per building than 55% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (74%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Markle flood?
Flood insurance has paid 1 claim in Markle since 1996, $10K in all, or 1.9 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record.
Is Markle 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 Huntington County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Markle?
FEMA’s Community Rating System list shows no discount for Markle’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 Markle?
By FEMA money that reached Markle, Severe Winter Storm and Snowstorm (2014): $2K to the Town of Markle for repairs.
Is Markle at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Markle’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Markle.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Markle’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.