More hazard damage per building is expected in Pigeon Township than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pigeon Township gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns. Most of that expected damage is river and rain flooding (73%), then earthquakes (14%). FEMA’s files show no paid flood insurance claims here.
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 Pigeon 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 Pigeon Township’s grade
River and rain flooding is 73% of the building damage FEMA expects in Pigeon Township, and Pigeon Township’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 4% of U.S. census tracts.
C− higher expected damage per building than 77% of U.S. towns (21,298).
All of Pigeon Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $446K a year in losses across Pigeon Township: $326K to buildings, the rest to people and crops.
Does Pigeon Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Pigeon Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Pigeon 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 Pigeon Township remembers
None of the 17 disasters declared for Warrick County shows FEMA aid or repair money reaching Pigeon Township itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Pigeon Township and its neighbors
Pigeon Township is 4th of the 4 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 |
|---|---|---|---|
| Cass Township | Bless damage than 57% | river and rain flooding | — |
| Carter Township | B−more damage than 53% | river and rain flooding | — |
| Skelton Township | C−more damage than 77% | river and rain flooding | — |
| Pigeon Township | C−more damage than 77% | river and rain flooding | 0 |
| Lockhart Township | — | 807 residents; we grade 1,000+ | |
| Jackson Township | — | 862 residents; we grade 1,000+ | |
| Owen Township | — | 576 residents; we grade 1,000+ | |
| Lane Township | — | 112 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 Pigeon 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 Pigeon Township
Is Pigeon Township at risk for natural disasters?
On FEMA’s National Risk Index, Pigeon Township has higher expected damage per building than 77% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (73%) and earthquakes (14%). 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 Pigeon 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 Pigeon Township?
FEMA’s Community Rating System list shows no discount for Pigeon Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Pigeon Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Pigeon Township’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pigeon Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pigeon 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.