On FEMA’s figures, Posey Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Posey Township gets a B− for hazard risk: higher expected damage per building than 51% of U.S. towns, #421 of 593 in Indiana. Most of that expected damage is river and rain flooding (71%), then tornadoes (11%). Flood insurance has paid 1 claim here since 2013.
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 Posey 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
Earthquakes
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 Posey Township’s grade
River and rain flooding is 71% of the building damage FEMA expects in Posey Township, and Posey Township’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Next is tornadoes at 11% (higher than 82% of U.S. census tracts).
B− #421 of 593 in Indiana; higher expected damage per building than 51% of U.S. towns (21,298).
Posey Township’s residents live in 3 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, Posey Township has more expected damage per building than 71% of Indiana towns.
In dollars, FEMA expects about $1.4M a year in losses across Posey Township: $861K to buildings, the rest to people and crops.
Does Posey Township flood? Rarely: 1 flood claim since 2013
Every paid claim on a federal flood insurance policy in Posey Township, from FEMA’s records: 0.7 per 1,000 homes, fewer than 85% of the 13,809 U.S. towns with a flood insurance record.
Posey 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: Clay County.The storms Posey Township remembers
None of the 17 disasters declared for Clay County shows FEMA aid or repair money reaching Posey Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20131 flood claims paidNo declaration for the county that year
Clay County has had 17 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 Posey Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Posey Township archive →Posey Township and its neighbors
Posey Township is 4th 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 |
|---|---|---|---|
| Jackson Township | B+less damage than 66% | river and rain flooding | — |
| Lost Creek Township | Bless damage than 60% | river and rain flooding | 8 |
| Dick Johnson Township | B−less damage than 51% | river and rain flooding | 3 |
| Posey Township | B−more damage than 51% | river and rain flooding | 1 |
| Nevins Township | B−more damage than 52% | river and rain flooding | 18 |
| Perry Township | — | not graded yet | |
| Brazil Township | — | not graded yet | |
| Cloverland | — | 398 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 Posey 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Posey Township
Is Posey Township at risk for natural disasters?
On FEMA’s National Risk Index, Posey Township has higher expected damage per building than 51% of U.S. towns: B− for hazard risk, #421 of 593 in Indiana. Most of the expected damage is river and rain flooding (71%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Posey Township flood?
Flood insurance has paid 1 claim in Posey Township since 2013, $67K in all, or 0.7 per 1,000 homes, fewer than 85% of U.S. towns with a flood insurance record.
Is Posey 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 Clay County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Posey Township?
FEMA’s Community Rating System list shows no discount for Posey Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Posey Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Posey Township’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Posey Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Posey 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.