Photo: Nyttend · Public domainFEMA expects about as much hazard damage per building in Turman Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Turman Township gets a B− for hazard risk: higher expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (65%), then earthquakes (20%). Flood insurance has paid 1 claim here since 2013.
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 Turman 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 Turman Township’s grade
River and rain flooding is 65% of the building damage FEMA expects in Turman Township, and Turman Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Next is earthquakes at 20% (higher than 81% of U.S. census tracts).
B− higher expected damage per building than 51% of U.S. towns (21,298).
All of Turman Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $545K a year in losses across Turman Township: $357K to buildings, the rest to people and crops.
Does Turman Township flood? Rarely: 1 flood claim since 2013
Every paid claim on a federal flood insurance policy in Turman 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.
Turman 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: Sullivan County.The storms Turman Township remembers
None of the 16 disasters declared for Sullivan County shows FEMA aid or repair money reaching Turman Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20131 flood claims paidNo declaration for the county that year
Sullivan 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.
Old photos of Turman Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Turman Township archive →Turman Township and its neighbors
Turman Township is 2nd of the 2 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 |
|---|---|---|---|
| Hamilton Township | Bless damage than 64% | river and rain flooding | — |
| Turman Township | B−more damage than 51% | river and rain flooding | 1 |
| Hutsonville Township | — | not graded yet | |
| York Township | — | 430 residents; we grade 1,000+ | |
| Gill Township | — | not graded yet | |
| Fairbanks Township | — | 532 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 Turman 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 Turman Township
Is Turman Township at risk for natural disasters?
On FEMA’s National Risk Index, Turman Township has higher expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (65%) and earthquakes (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 Turman Township flood?
Flood insurance has paid 1 claim in Turman Township since 2013, $42K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record.
Is Turman 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 Sullivan County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Turman Township?
FEMA’s Community Rating System list shows no discount for Turman Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Turman Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Turman Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Turman Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Turman 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.