More hazard damage per building is expected in Mill Township than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mill Township gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns, #527 of 593 in Indiana. Most of that expected damage is river and rain flooding (75%), then tornadoes (15%). Flood insurance has paid 11 claims here since 1992.
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 Mill 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 Mill Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Mill Township, and Mill Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Tornadoes add 15%, at a rate in the top 5% of U.S. census tracts.
C #527 of 593 in Indiana; higher expected damage per building than 66% of U.S. towns (21,298).
Mill Township’s residents live in 6 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, Mill Township has more expected damage per building than 89% of Indiana towns.
In dollars, FEMA expects about $3.2M a year in losses across Mill Township: $2.4M to buildings, the rest to people and crops.
Does Mill Township flood? Sometimes: 11 flood claims since 1992
Every paid claim on a federal flood insurance policy in Mill Township, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
Mill 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: Grant County.The storms Mill Township remembers
None of the 18 disasters declared for Grant County shows FEMA aid or repair money reaching Mill Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19986 flood claims paidNo declaration for the county that year
- 19921 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Grant County
- 19931 flood claims paidNo declaration for the county that year
Grant County has had 18 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 Mill Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mill Township archive →Mill Township and its neighbors
Mill 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 |
|---|---|---|---|
| Monroe Township | B+less damage than 68% | river and rain flooding | — |
| Franklin Township | B+less damage than 66% | river and rain flooding | — |
| Fairmount Township | B−more damage than 54% | river and rain flooding | 2 |
| Center Township | C+more damage than 57% | river and rain flooding | 42 |
| Mill Township | Cmore damage than 66% | river and rain flooding | 11 |
| Gas City | Cmore damage than 67% | river and rain flooding | 1 |
| Liberty Township | — | 823 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 Mill 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 Mill Township
Is Mill Township at risk for natural disasters?
On FEMA’s National Risk Index, Mill Township has higher expected damage per building than 66% of U.S. towns: C for hazard risk, #527 of 593 in Indiana. Most of the expected damage is river and rain flooding (75%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mill Township flood?
Flood insurance has paid 11 claims in Mill Township since 1992, $96K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record.
Is Mill 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 Grant County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Mill Township?
FEMA’s Community Rating System list shows no discount for Mill Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Mill Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Mill Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mill Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mill 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.