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C+Hazard risk
Natural hazards in Miami Township · FEMA

On FEMA’s figures, Miami Township faces more hazard damage per building than 60% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Miami Township gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (85%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 85%Tornadoes 5%Hail 4%

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

more than 60%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C+
in Indiana · higher than 60% of U.S. towns
Main hazard
River and rain flooding
85% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 13 declared for Cass County
By hazard

What Miami 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

85%of expected building damage
Above average · higher than 76% of U.S. census tracts
Recorded about once every 2 years in the area

Tornadoes

5%of expected building damage
Above average · higher than 62% of U.S. census tracts
Smaller shares here
 Hail Earthquakes Strong wind Hurricanes Lightning Wildfire Winter storms Ice storms Cold waves Heat waves top 4% Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 12% of Miami Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Miami Township’s grade

River and rain flooding is 85% of the building damage FEMA expects in Miami Township, and Miami Township’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts. Next is tornadoes at 5% (higher than 62% of U.S. census tracts).

Where Miami Township sits
Miami Township
Least damageMiddleMost damage

C+ higher expected damage per building than 60% of U.S. towns (21,298).

All of Miami Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding85%Tornadoes5%Hail4%Everything else5%

In dollars, FEMA expects about $614K a year in losses across Miami Township: $414K to buildings, the rest to people and crops.

Shared tract.All of Miami Township’s 1,311 residents (2020 census) live in one census tract, which it shares with Onward town (76 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Miami Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Miami Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Miami 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: Cass County.
Disasters

The storms Miami Township remembers

None of the 13 disasters declared for Cass County shows FEMA aid or repair money reaching Miami Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Miami TownshipCass County only

Cass County has had 13 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.

Next door

Miami Township and its neighbors

Miami Township is 4th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Adams Township: not gradedTipton Township: hazard risk BClay Township: hazard risk AEel Township: hazard risk CWashington Township: hazard risk B+Peru Township: not gradedAdams TownshipTipton TownshipClay TownshipEel TownshipWashington TownshipPeru TownshipMiami Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Clay TownshipAless damage than 87%river and rain flooding—
Washington TownshipB+less damage than 74%river and rain flooding1
Tipton TownshipBless damage than 62%river and rain flooding14
Miami TownshipC+more damage than 60%river and rain flooding0
Eel TownshipCmore damage than 73%river and rain flooding16
Adams Township—not graded yet
Peru Township—not graded yet

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.

Be ready

Get ready for what Miami 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Miami Township

Is Miami Township at risk for natural disasters?

On FEMA’s National Risk Index, Miami Township has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (85%) and tornadoes (5%). 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 Miami 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 Cass County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Miami Township?

FEMA’s Community Rating System list shows no discount for Miami Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Miami Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (85%), and Miami Township’s rate for it is higher than 76% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Miami Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Miami 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.