West Union Bridge · Photo: Jacob Hilt · CC BY-SA 4.0FEMA expects more hazard damage per building in Reserve Township than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Reserve Township gets a C for hazard risk: higher expected damage per building than 65% of U.S. towns. Most of that expected damage is river and rain flooding (78%). 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 Reserve 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 Reserve Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Reserve Township, and Reserve Township’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Next is tornadoes at 9% (higher than 83% of U.S. census tracts).
C higher expected damage per building than 65% of U.S. towns (21,298).
Reserve Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $645K a year in losses across Reserve Township: $392K to buildings, the rest to people and crops.
Does Reserve Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Reserve Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Reserve 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: Parke County.The storms Reserve Township remembers
None of the 16 disasters declared for Parke County shows FEMA aid or repair money reaching Reserve Township itself in FEMA’s records, so these are its biggest flood-claim years.
Parke County has had 16 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.
Reserve Township and its neighbors
Reserve Township is 3rd of the 3 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 |
|---|---|---|---|
| Adams Township | B+less damage than 70% | river and rain flooding | 2 |
| Helt Township | Bless damage than 58% | river and rain flooding | 1 |
| Reserve Township | Cmore damage than 65% | river and rain flooding | 0 |
| Vermillion Township | — | 797 residents; we grade 1,000+ | |
| Penn Township | — | 857 residents; we grade 1,000+ | |
| Wabash Township | — | 991 residents; we grade 1,000+ | |
| Liberty Township | — | 616 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 Reserve 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 Reserve Township
Is Reserve Township at risk for natural disasters?
On FEMA’s National Risk Index, Reserve Township has higher expected damage per building than 65% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (78%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Reserve 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 Parke County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Reserve Township?
FEMA’s Community Rating System list shows no discount for Reserve Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Reserve Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Reserve Township’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Reserve Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Reserve 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.