On FEMA’s figures, Miller Township faces less hazard damage per building than 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Miller Township gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns, #188 of 593 in Indiana. Most of that expected damage is river and rain flooding (68%), then tornadoes (24%). Flood insurance has paid 2 claims here since 1998.
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 Miller 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 Miller Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Miller Township, and Miller Township’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Tornadoes add 24%, at a rate in the top 4% of U.S. census tracts.
B+ #188 of 593 in Indiana; lower expected damage per building than 73% of U.S. towns (21,298).
Miller Township’s residents live in 2 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, Miller Township has less expected damage per building than 68% of Indiana towns.
In dollars, FEMA expects about $2.8M a year in losses across Miller Township: $1.7M to buildings, the rest to people and crops.
Does Miller Township flood? Rarely: 2 flood claims since 1998
Every paid claim on a federal flood insurance policy in Miller Township, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.
Miller 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: Dearborn County.The storms Miller Township remembers
None of the 18 disasters declared for Dearborn County shows FEMA aid or repair money reaching Miller Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19981 flood claims paidNo declaration for the county that year
- 20181 flood claims paidThe year of Severe Storms and Flooding, declared for Dearborn County
Dearborn County has had 18 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 Miller Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Miller Township archive →Miller Township and its neighbors
Miller Township is 2nd of the 9 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 |
|---|---|---|---|
| Hidden Valley | B+less damage than 74% | river and rain flooding | 1 |
| Miller Township | B+less damage than 73% | river and rain flooding | 2 |
| Lawrenceburg Township | Bless damage than 62% | river and rain flooding | 4 |
| Manchester Township | Bless damage than 59% | river and rain flooding | — |
| Greendale | Bless damage than 59% | river and rain flooding | 4 |
| York Township | B−more damage than 52% | river and rain flooding | — |
| Logan Township | C+more damage than 64% | river and rain flooding | 6 |
| Harrison Township | Cmore damage than 70% | river and rain flooding | — |
| Whitewater Township | Cmore damage than 74% | river and rain flooding | 23 |
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 Miller 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 Miller Township
Is Miller Township at risk for natural disasters?
On FEMA’s National Risk Index, Miller Township has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk, #188 of 593 in Indiana. Most of the expected damage is river and rain flooding (68%) and tornadoes (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Miller Township flood?
Flood insurance has paid 2 claims in Miller Township since 1998, $8K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record.
Is Miller 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 Dearborn County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Miller Township?
FEMA’s Community Rating System list shows no discount for Miller Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Miller Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Miller Township’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Miller Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Miller 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.