Photo: Nyttend · Public domainMore hazard damage per building is expected in Ohio Township than in 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Ohio Township gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns, #561 of 593 in Indiana. Most of that expected damage is river and rain flooding (66%), then earthquakes (19%). Flood insurance has paid 3 claims here since 2009.
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 Ohio 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
Earthquakes
Tornadoes
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 Ohio Township’s grade
River and rain flooding is 66% of the building damage FEMA expects in Ohio Township, and Ohio Township’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 4% of U.S. census tracts.
C #561 of 593 in Indiana; higher expected damage per building than 73% of U.S. towns (21,298).
Ohio Township’s residents live in 10 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, Ohio Township has more expected damage per building than 95% of Indiana towns.
In dollars, FEMA expects about $18.6M a year in losses across Ohio Township: $14.8M to buildings, the rest to people and crops.
Does Ohio Township flood? Rarely: 3 flood claims since 2009
Every paid claim on a federal flood insurance policy in Ohio Township, from FEMA’s records: 0.2 per 1,000 homes, fewer than 98% of the 13,809 U.S. towns with a flood insurance record.
- The Central U.S. April Flooding1 claim · $4K
Ohio 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: Warrick County.The storms Ohio Township remembers
None of the 17 disasters declared for Warrick County shows FEMA aid or repair money reaching Ohio Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20091 flood claims paidThe year of Severe Winter Storm, declared for Warrick County
- 20141 flood claims paidNo declaration for the county that year
- 20251 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Warrick County
Warrick County has had 17 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 Ohio Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ohio Township archive →Ohio Township and its neighbors
Ohio Township is 5th of the 7 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 |
|---|---|---|---|
| Campbell Township | Cmore damage than 68% | river and rain flooding | 17 |
| Boon Township | Cmore damage than 68% | river and rain flooding | 6 |
| Anderson Township | Cmore damage than 70% | river and rain flooding | — |
| Knight Township | Cmore damage than 70% | river and rain flooding | 169 |
| Ohio Township | Cmore damage than 73% | river and rain flooding | 3 |
| Evansville | Cmore damage than 73% | river and rain flooding | 408 |
| Newburgh | C−more damage than 85% | river and rain flooding | 14 |
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 Ohio 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Ohio Township
Is Ohio Township at risk for natural disasters?
On FEMA’s National Risk Index, Ohio Township has higher expected damage per building than 73% of U.S. towns: C for hazard risk, #561 of 593 in Indiana. Most of the expected damage is river and rain flooding (66%) and earthquakes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Ohio Township flood?
Flood insurance has paid 3 claims in Ohio Township since 2009, $49K in all, or 0.2 per 1,000 homes, fewer than 98% of U.S. towns with a flood insurance record. The most claims came from Central U.S. April Flooding (1).
Is Ohio 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 Warrick County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Ohio Township?
FEMA’s Community Rating System list shows no discount for Ohio Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Ohio Township?
By flood claims, Central U.S. April Flooding: 1 paid, $4K.
Is Ohio Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Ohio Township’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ohio Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ohio 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.