Photo: Nyttend · Public domainFEMA expects more hazard damage per building in Warren Township than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Warren Township gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns, #532 of 593 in Indiana. Most of that expected damage is river and rain flooding (78%), then tornadoes (10%). 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 Warren 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 Warren Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Warren Township, and Warren Township’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Next is tornadoes at 10% (higher than 88% of U.S. census tracts).
C #532 of 593 in Indiana; higher expected damage per building than 66% of U.S. towns (21,298).
Warren 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, Warren Township has more expected damage per building than 90% of Indiana towns.
In dollars, FEMA expects about $1.3M a year in losses across Warren Township: $861K to buildings, the rest to people and crops.
Does Warren Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Warren Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Warren 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: Putnam County.The storms Warren Township remembers
None of the 17 disasters declared for Putnam County shows FEMA aid or repair money reaching Warren Township itself in FEMA’s records, so these are its biggest flood-claim years.
Putnam County has had 17 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.
Warren Township and its neighbors
Warren Township is 5th 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 |
|---|---|---|---|
| Greencastle Township | A−less damage than 79% | river and rain flooding | 2 |
| Marion Township | B−more damage than 52% | river and rain flooding | — |
| Jefferson Township | C+more damage than 63% | river and rain flooding | — |
| Cloverdale Township | C+more damage than 64% | river and rain flooding | — |
| Warren Township | Cmore damage than 66% | river and rain flooding | 0 |
| Washington Township | Cmore damage than 68% | river and rain flooding | 3 |
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 Warren 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 Warren Township
Is Warren Township at risk for natural disasters?
On FEMA’s National Risk Index, Warren Township has higher expected damage per building than 66% of U.S. towns: C for hazard risk, #532 of 593 in Indiana. Most of the expected damage is river and rain flooding (78%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Warren 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 Putnam County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Warren Township?
FEMA’s Community Rating System list shows no discount for Warren Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Warren Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Warren Township’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Warren Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warren 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.