FEMA expects about as much hazard damage per building in Milan Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Milan Township gets a B for hazard risk: lower expected damage per building than 59% of U.S. towns, #313 of 593 in Indiana. Most of that expected damage is river and rain flooding (79%), then tornadoes (14%). Flood insurance has paid 12 claims here since 1981.
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 Milan 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 Milan Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Milan Township, and Milan Township’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Next is tornadoes at 14% (higher than 87% of U.S. census tracts).
B #313 of 593 in Indiana; lower expected damage per building than 59% of U.S. towns (21,298).
All of Milan 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, Milan Township has more expected damage per building than 53% of Indiana towns.
In dollars, FEMA expects about $1.5M a year in losses across Milan Township: $1.3M to buildings, the rest to people and crops.
Does Milan Township flood? Sometimes: 12 flood claims since 1981
Every paid claim on a federal flood insurance policy in Milan Township, from FEMA’s records: 9.5 per 1,000 homes, more than 73% of the 13,809 U.S. towns with a flood insurance record.
Milan 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: Allen County.The storms Milan Township remembers
None of the 15 disasters declared for Allen County shows FEMA aid or repair money reaching Milan Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20113 flood claims paidNo declaration for the county that year
- 19822 flood claims paidThe year of Severe Storms and Flooding, declared for Allen County
- 20132 flood claims paidNo declaration for the county that year
Allen County has had 15 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 Milan Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Milan Township archive →Milan Township and its neighbors
Milan Township is 5th of the 6 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 |
|---|---|---|---|
| Jefferson Township | Aless damage than 89% | river and rain flooding | 4 |
| Adams Township | B+less damage than 66% | river and rain flooding | 126 |
| St. Joseph Township | Bless damage than 64% | river and rain flooding | 66 |
| Maumee Township | Bless damage than 59% | river and rain flooding | — |
| Milan Township | Bless damage than 59% | river and rain flooding | 12 |
| Fort Wayne | B−less damage than 52% | river and rain flooding | 1,148 |
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 Milan 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 Milan Township
Is Milan Township at risk for natural disasters?
On FEMA’s National Risk Index, Milan Township has lower expected damage per building than 59% of U.S. towns: B for hazard risk, #313 of 593 in Indiana. Most of the expected damage is river and rain flooding (79%) and tornadoes (14%). 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.
Does Milan Township flood?
Flood insurance has paid 12 claims in Milan Township since 1981, $970K in all, or 9.5 per 1,000 homes, more than 73% of U.S. towns with a flood insurance record.
Is Milan 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 Allen County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Milan Township?
FEMA’s Community Rating System list shows no discount for Milan Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Milan Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Milan Township’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Milan Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Milan 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.