On FEMA’s figures, Milford Township faces less hazard damage per building than 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Milford Township gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns, #150 of 593 in Indiana. Most of that expected damage is river and rain flooding (68%), then tornadoes (17%). Flood insurance has paid 2 claims here since 2006.
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 Milford 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 Milford Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Milford Township, and Milford Township’s rate of river and rain flooding damage is lower than 69% of U.S. census tracts. Next is tornadoes at 17% (higher than 86% of U.S. census tracts).
A− #150 of 593 in Indiana; lower expected damage per building than 78% of U.S. towns (21,298).
Milford Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Milford Township has less expected damage per building than 75% of Indiana towns.
In dollars, FEMA expects about $957K a year in losses across Milford Township: $694K to buildings, the rest to people and crops.
Does Milford Township flood? Rarely: 2 flood claims since 2006
Every paid claim on a federal flood insurance policy in Milford Township, from FEMA’s records: 1.1 per 1,000 homes, fewer than 75% of the 13,809 U.S. towns with a flood insurance record.
Milford 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 Milford Township remembers
None of the 9 disasters declared for LaGrange County shows FEMA aid or repair money reaching Milford Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20061 flood claims paidNo declaration for the county that year
- 20171 flood claims paidNo declaration for the county that year
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.
Old photos of Milford Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Milford Township archive →Milford Township and its neighbors
Milford Township is 3rd of the 5 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 |
|---|---|---|---|
| Wayne Township | Aless damage than 89% | river and rain flooding | — |
| Springfield Township | A−less damage than 82% | river and rain flooding | — |
| Milford Township | A−less damage than 78% | river and rain flooding | 2 |
| Johnson Township | B+less damage than 70% | river and rain flooding | 30 |
| Salem Township | Bless damage than 63% | river and rain flooding | 7 |
| Stroh | — | 238 residents; we grade 1,000+ | |
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 Milford 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 Milford Township
Is Milford Township at risk for natural disasters?
On FEMA’s National Risk Index, Milford Township has lower expected damage per building than 78% of U.S. towns: A− for hazard risk, #150 of 593 in Indiana. Most of the expected damage is river and rain flooding (68%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Milford Township flood?
Flood insurance has paid 2 claims in Milford Township since 2006, $43K in all, or 1.1 per 1,000 homes, fewer than 75% of U.S. towns with a flood insurance record.
Is Milford 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 Milford Township?
FEMA’s Community Rating System list shows no discount for Milford Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Milford Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Milford Township’s rate for it is lower than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Milford Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Milford 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.