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A−Hazard risk
Natural hazards in Perry Township · FEMA

FEMA puts Perry Township’s expected hazard damage per building below that of 75% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Perry Township gets an A− for hazard risk: lower expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (56%), then tornadoes (19%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 56%Tornadoes 19%Hail 12%

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

less than 75%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Indiana · lower than 75% of U.S. towns
Main hazard
River and rain flooding
56% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 13 declared for Clinton County
By hazard

What Perry 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

56%of expected building damage
Below average · lower than 80% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

19%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Recorded about once every 11 years in the area

Hail

12%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about 4 times a year in the area

Earthquakes

10%of expected building damage
Above average · higher than 72% of U.S. census tracts
Smaller shares here
 Strong wind Lightning Hurricanes Winter storms Wildfire Ice storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 10% of Perry Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Perry Township’s grade

River and rain flooding is 56% of the building damage FEMA expects in Perry Township, and Perry Township’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Tornadoes add 19%, at a rate in the top 10% of U.S. census tracts.

Where Perry Township sits
Perry Township
Least damageMiddleMost damage

A− lower expected damage per building than 75% of U.S. towns (21,298).

All of Perry Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding56%Tornadoes19%Hail12%Everything else13%

In dollars, FEMA expects about $688K a year in losses across Perry Township: $463K to buildings, the rest to people and crops.

Shared tract.All of Perry Township’s 1,494 residents (2020 census) live in one census tract, which it shares with Jackson township (1,207 residents) and Colfax town (702 residents) and Antioch CDP (77 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Perry Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Perry Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Perry 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: Clinton County.
Disasters

The storms Perry Township remembers

None of the 13 disasters declared for Clinton County shows FEMA aid or repair money reaching Perry Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Perry TownshipClinton County only

Clinton County has had 13 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.

Next door

Perry Township and its neighbors

Perry Township is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Sugar Creek Township: hazard risk C+Washington Township: hazard risk B+Jackson Township: hazard risk A−Sugar Creek TownshipWashington TownshipJackson TownshipPerry Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Jackson TownshipA−less damage than 75%river and rain flooding—
Perry TownshipA−less damage than 75%river and rain flooding0
Washington TownshipB+less damage than 68%river and rain flooding—
Sugar Creek TownshipC+more damage than 59%river and rain flooding—

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.

Be ready

Get ready for what Perry 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Perry Township

Is Perry Township at risk for natural disasters?

On FEMA’s National Risk Index, Perry Township has lower expected damage per building than 75% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (56%) and tornadoes (19%). 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.

Is Perry 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 Clinton County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Perry Township?

FEMA’s Community Rating System list shows no discount for Perry Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Perry Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (56%), and Perry Township’s rate for it is lower than 80% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Perry Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Perry 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.