Redding Township’s building-damage rate from tornadoes is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Redding Township gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #276 of 593 in Indiana. Most of that expected damage is river and rain flooding (65%), then tornadoes (21%). Flood insurance has paid 1 claim here since 2008.
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 Redding 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 Redding Township’s grade
River and rain flooding is 65% of the building damage FEMA expects in Redding Township, and Redding Township’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 5% of U.S. census tracts.
B #276 of 593 in Indiana; lower expected damage per building than 62% of U.S. towns (21,298).
Redding Township’s residents live in 5 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, Redding Township has less expected damage per building than 54% of Indiana towns.
In dollars, FEMA expects about $2.4M a year in losses across Redding Township: $1.3M to buildings, the rest to people and crops.
Does Redding Township flood? Rarely: 1 flood claim since 2008
Every paid claim on a federal flood insurance policy in Redding Township, from FEMA’s records: 0.4 per 1,000 homes, fewer than 91% of the 13,809 U.S. towns with a flood insurance record.
- The Storm1 claim · $23K
Redding 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: Jackson County.The storms Redding Township remembers
None of the 14 disasters declared for Jackson County shows FEMA aid or repair money reaching Redding Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20081 flood claims paidThe year of Severe Storms and Flooding, declared for Jackson County
Jackson County has had 14 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 Redding Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Redding Township archive →Redding Township and its neighbors
Redding Township is 2nd of the 7 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 |
|---|---|---|---|
| Spencer Township | A−less damage than 80% | river and rain flooding | 1 |
| Redding Township | Bless damage than 62% | river and rain flooding | 1 |
| Seymour | Bless damage than 59% | river and rain flooding | 14 |
| Jackson Township | Bless damage than 58% | river and rain flooding | 6 |
| Wayne Township | Bless damage than 57% | river and rain flooding | 43 |
| Hamilton Township | C+more damage than 61% | river and rain flooding | — |
| Sand Creek Township | Cmore damage than 70% | river and rain flooding | 30 |
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 Redding 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 Redding Township
Is Redding Township at risk for natural disasters?
On FEMA’s National Risk Index, Redding Township has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #276 of 593 in Indiana. Most of the expected damage is river and rain flooding (65%) and tornadoes (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Redding Township flood?
Flood insurance has paid 1 claim in Redding Township since 2008, $23K in all, or 0.4 per 1,000 homes, fewer than 91% of U.S. towns with a flood insurance record. The most claims came from Storm (1).
Is Redding 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 Jackson County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Redding Township?
FEMA’s Community Rating System list shows no discount for Redding 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 Redding Township?
By flood claims, Storm: 1 paid, $23K.
Is Redding Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Redding Township’s rate for it is lower than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Redding Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Redding 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.