Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Plain Township than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Plain Township gets an A− for hazard risk: lower expected damage per building than 79% of U.S. towns, #139 of 593 in Indiana. Most of that expected damage is river and rain flooding (69%), then tornadoes (22%). Flood insurance has paid 36 claims here since 1981.
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 stands out about Plain Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Plain 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 Plain Township’s grade
River and rain flooding is 69% of the building damage FEMA expects in Plain Township, and Plain Township’s rate of river and rain flooding damage is lower than 69% of U.S. census tracts. Tornadoes add 22%, at a rate in the top 8% of U.S. census tracts.
A− #139 of 593 in Indiana; lower expected damage per building than 79% of U.S. towns (21,298).
Plain Township’s residents live in 4 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, Plain Township has less expected damage per building than 77% of Indiana towns.
In dollars, FEMA expects about $2.8M a year in losses across Plain Township: $1.7M to buildings, the rest to people and crops.
Does Plain Township flood? Sometimes: 36 flood claims since 1981
Every paid claim on a federal flood insurance policy in Plain Township, from FEMA’s records: 8.7 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $420
Plain 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: Kosciusko County.The storms Plain Township remembers
None of the 15 disasters declared for Kosciusko County shows FEMA aid or repair money reaching Plain Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20097 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Kosciusko County
- 19814 flood claims paidNo declaration for the county that year
- 19824 flood claims paidNo declaration for the county that year
Kosciusko County has had 15 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 Plain Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Plain Township archive →Plain Township and its neighbors
Plain Township is 5th of the 5 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 |
|---|---|---|---|
| Wayne Township | Aless damage than 90% | river and rain flooding | 60 |
| Van Buren Township | Aless damage than 88% | river and rain flooding | — |
| Prairie Township | Aless damage than 88% | river and rain flooding | 1 |
| Tippecanoe Township | A−less damage than 80% | river and rain flooding | 135 |
| Plain Township | A−less damage than 79% | river and rain flooding | 36 |
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 Plain 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 Plain Township
Is Plain Township at risk for natural disasters?
On FEMA’s National Risk Index, Plain Township has lower expected damage per building than 79% of U.S. towns: A− for hazard risk, #139 of 593 in Indiana. Most of the expected damage is river and rain flooding (69%) and tornadoes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Plain Township flood?
Flood insurance has paid 36 claims in Plain Township since 1981, $731K in all, or 8.7 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
Is Plain 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 Kosciusko County, 21% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Plain Township?
FEMA’s Community Rating System list shows no discount for Plain 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 Plain Township?
By flood claims, Mid-spring storms: 1 paid, $420.
Is Plain Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Plain Township’s rate for it is lower than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Plain Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Plain 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.