Laughery Creek Bridge · Photo: Jack Boucher · Public domainFor tornadoes, Randolph Township’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Randolph Township gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns, #509 of 593 in Indiana. Most of that expected damage is river and rain flooding (76%), then tornadoes (16%). Flood insurance has paid 6 claims here since 1978.
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 Randolph 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 Randolph Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Randolph Township, and Randolph Township’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Tornadoes add 16%, at a rate in the top 3% of U.S. census tracts.
C+ #509 of 593 in Indiana; higher expected damage per building than 63% of U.S. towns (21,298).
Randolph Township’s residents live in 2 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, Randolph Township has more expected damage per building than 86% of Indiana towns.
In dollars, FEMA expects about $2.2M a year in losses across Randolph Township: $1.2M to buildings, the rest to people and crops.
Does Randolph Township flood? Rarely: 6 flood claims since 1978
Every paid claim on a federal flood insurance policy in Randolph Township, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
Randolph 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: Ohio County.The storms Randolph Township remembers
None of the 16 disasters declared for Ohio County shows FEMA aid or repair money reaching Randolph Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19974 flood claims paidThe year of Severe Storms and Flooding, declared for Ohio County
- 19782 flood claims paidNo declaration for the county that year
Ohio County has had 16 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 Randolph Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Randolph Township archive →Randolph Township and its neighbors
Randolph Township is 2nd 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 |
|---|---|---|---|
| Rising Sun | C+more damage than 60% | river and rain flooding | 2 |
| Randolph Township | C+more damage than 63% | river and rain flooding | 6 |
| Posey Township | Cmore damage than 66% | river and rain flooding | 48 |
| Center Township | C−more damage than 78% | river and rain flooding | 39 |
| Rabbit Hash | — | 175 residents; we grade 1,000+ | |
| Belleview | — | 262 residents; we grade 1,000+ | |
| Union Township | — | 850 residents; we grade 1,000+ | |
| Cass Township | — | 430 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 Randolph 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 Randolph Township
Is Randolph Township at risk for natural disasters?
On FEMA’s National Risk Index, Randolph Township has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk, #509 of 593 in Indiana. Most of the expected damage is river and rain flooding (76%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Randolph Township flood?
Flood insurance has paid 6 claims in Randolph Township since 1978, $24K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record.
Is Randolph 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 Ohio County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Randolph Township?
FEMA’s Community Rating System list shows no discount for Randolph Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Randolph Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Randolph Township’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Randolph Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Randolph 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.