On FEMA’s figures, Swan Township faces less hazard damage per building than 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Swan Township gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (66%), then tornadoes (20%). Flood insurance has paid 1 claim here since 2009.
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 Swan 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
Hail
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 Swan Township’s grade
River and rain flooding is 66% of the building damage FEMA expects in Swan Township, and Swan Township’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Tornadoes add 20%, at a rate in the top 10% of U.S. census tracts.
A− lower expected damage per building than 78% of U.S. towns (21,298).
All of Swan Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $631K a year in losses across Swan Township: $428K to buildings, the rest to people and crops.
Does Swan Township flood? Rarely: 1 flood claim since 2009
Every paid claim on a federal flood insurance policy in Swan Township, from FEMA’s records: 1.2 per 1,000 homes, fewer than 73% of the 13,809 U.S. towns with a flood insurance record.
Swan 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: Noble County.The storms Swan Township remembers
None of the 13 disasters declared for Noble County shows FEMA aid or repair money reaching Swan Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20091 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Noble County
Noble County has had 13 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 Swan Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Swan Township archive →Swan Township and its neighbors
Swan Township is 3rd 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 |
|---|---|---|---|
| Eel River Township | Aless damage than 86% | river and rain flooding | 1 |
| Allen Township | A−less damage than 83% | river and rain flooding | 2 |
| Swan Township | A−less damage than 78% | river and rain flooding | 1 |
| Keyser Township | B+less damage than 74% | river and rain flooding | — |
| Green Township | B+less damage than 74% | river and rain flooding | — |
| Butler Township | Bless damage than 59% | river and rain flooding | 6 |
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 Swan 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Swan Township
Is Swan Township at risk for natural disasters?
On FEMA’s National Risk Index, Swan Township has lower expected damage per building than 78% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (66%) and tornadoes (20%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Swan Township flood?
Flood insurance has paid 1 claim in Swan Township since 2009, $25K in all, or 1.2 per 1,000 homes, fewer than 73% of U.S. towns with a flood insurance record.
Is Swan 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 Noble County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Swan Township?
FEMA’s Community Rating System list shows no discount for Swan Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Swan Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Swan Township’s rate for it is lower than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Swan Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Swan 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.