FEMA expects more hazard damage per building in Scott Township than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Scott Township gets a C for hazard risk: higher expected damage per building than 65% of U.S. towns, #522 of 593 in Indiana. Most of that expected damage is river and rain flooding (57%), then earthquakes (26%). Flood insurance has paid 1 claim here since 2025.
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 Scott 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
Earthquakes
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 Scott Township’s grade
River and rain flooding is 57% of the building damage FEMA expects in Scott Township, and Scott Township’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 7% of U.S. census tracts.
C #522 of 593 in Indiana; higher expected damage per building than 65% of U.S. towns (21,298).
Scott 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, Scott Township has more expected damage per building than 88% of Indiana towns.
In dollars, FEMA expects about $5.6M a year in losses across Scott Township: $4.2M to buildings, the rest to people and crops.
Does Scott Township flood? Rarely: 1 flood claim since 2025
Every paid claim on a federal flood insurance policy in Scott Township, from FEMA’s records: 0.2 per 1,000 homes, fewer than 97% of the 13,809 U.S. towns with a flood insurance record.
Scott 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: Vanderburgh County.The storms Scott Township remembers
None of the 17 disasters declared for Vanderburgh County shows FEMA aid or repair money reaching Scott Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20251 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Vanderburgh County
Vanderburgh County has had 17 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 Scott Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Scott Township archive →Scott Township and its neighbors
Scott Township is 4th of the 6 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 |
|---|---|---|---|
| Johnson Township | Bless damage than 56% | river and rain flooding | — |
| Darmstadt | C+more damage than 64% | river and rain flooding | — |
| Armstrong Township | C+more damage than 64% | river and rain flooding | — |
| Scott Township | Cmore damage than 65% | river and rain flooding | 1 |
| Campbell Township | Cmore damage than 68% | river and rain flooding | 17 |
| Center Township | C−more damage than 83% | river and rain flooding | 19 |
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 Scott 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Scott Township
Is Scott Township at risk for natural disasters?
On FEMA’s National Risk Index, Scott Township has higher expected damage per building than 65% of U.S. towns: C for hazard risk, #522 of 593 in Indiana. Most of the expected damage is river and rain flooding (57%) and earthquakes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Scott Township flood?
Flood insurance has paid 1 claim in Scott Township since 2025, $8K in all, or 0.2 per 1,000 homes, fewer than 97% of U.S. towns with a flood insurance record.
Is Scott 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 Vanderburgh County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Scott Township?
FEMA’s Community Rating System list shows no discount for Scott Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Scott Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Scott Township’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Scott Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Scott 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.