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CHazard risk
Natural hazards in Wood Township · FEMA

FEMA expects more hazard damage per building in Wood Township than in 70% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Wood Township gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns, #549 of 593 in Indiana. Most of that expected damage is river and rain flooding (82%), then tornadoes (10%). Flood insurance has paid 5 claims here since 2008.

River and rain flooding 82%Tornadoes 10%Earthquakes 4%

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

more than 70%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#549 of 593 in Indiana
Hazard risk
C#549 of 593
in Indiana · higher than 70% of U.S. towns
Main hazard
River and rain flooding
82% of expected building damage
Flood claims
5
paid since 2008 · $66K
Flood claims per home
4 per 1,000
more than 56% of U.S. towns
By hazard

What Wood 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

82%of expected building damage
Above average · higher than 80% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

10%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once every 20 years in the area
Smaller shares here
 Earthquakes Strong wind Ice storms Hail Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves top 4% Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 23% of Wood Township’s expected losses. Tornadoes do little damage to buildings (10.4%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Wood Township’s grade

River and rain flooding is 82% of the building damage FEMA expects in Wood Township, and Wood Township’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts. Strong wind adds 3%, at a rate in the top 9% of U.S. census tracts.

Where Wood Township sits
Wood Township
Least damageMiddleMost damage

C #549 of 593 in Indiana; higher expected damage per building than 70% of U.S. towns (21,298).

All of Wood Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding82%Tornadoes10%Earthquakes4%Everything else4%

The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Wood Township has more expected damage per building than 93% of Indiana towns.

In dollars, FEMA expects about $1.4M a year in losses across Wood Township: $930K to buildings, the rest to people and crops.

Shared tract.All of Wood Township’s 2,766 residents (2020 census) live in one census tract, which it shares with Carr township (4,830 residents) and Borden town (786 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Wood Township flood? Rarely: 5 flood claims since 2008

Every paid claim on a federal flood insurance policy in Wood Township, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2008: 1 claim2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 1 claim2016: 0 claims2017: 1 claim2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims200820112015
20082026
Biggest named events
  • The Mid-spring storms1 claim · $1K
  • The March storm1 claim · $3K
5
paid claims since 2008
$66K
paid to owners
0
homes flooded more than once
$13K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Wood 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: Clark County.
Disasters

The storms Wood Township remembers

None of the 17 disasters declared for Clark County shows FEMA aid or repair money reaching Wood Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20081 flood claims paidThe year of Severe Storms and Flooding, declared for Clark County
  2. 20111 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and, declared for Clark County
  3. 20151 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Wood TownshipClark County only

Clark 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.

Were you here?

Old photos of Wood Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Wood Township archive →
Next door

Wood Township and its neighbors

Wood Township is 5th of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Polk Township: hazard risk CCarr Township: hazard risk CJackson Township: hazard risk C−Greenville Township: hazard risk C+Monroe Township: hazard risk CLafayette Township: hazard risk C+Polk TownshipCarr TownshipJackson TownshipGreenville TownshipMonroe TownshipLafayette TownshipWood Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Lafayette TownshipC+more damage than 56%river and rain flooding4
Greenville TownshipC+more damage than 60%river and rain flooding1
Polk TownshipCmore damage than 68%river and rain flooding—
Carr TownshipCmore damage than 70%river and rain flooding—
Wood TownshipCmore damage than 70%river and rain flooding5
Monroe TownshipCmore damage than 73%river and rain flooding18
Jackson TownshipC−more damage than 79%river and rain flooding—

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.

Be ready

Get ready for what Wood 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Wood Township

Is Wood Township at risk for natural disasters?

On FEMA’s National Risk Index, Wood Township has higher expected damage per building than 70% of U.S. towns: C for hazard risk, #549 of 593 in Indiana. Most of the expected damage is river and rain flooding (82%) and tornadoes (10%). 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 Wood Township flood?

Flood insurance has paid 5 claims in Wood Township since 2008, $66K in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).

Is Wood 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 Clark County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.

How much is flood insurance in Wood Township?

FEMA’s Community Rating System list shows no discount for Wood Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Wood Township?

By flood claims, Mid-spring storms: 1 paid, $1K.

Is Wood Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (82%), and Wood Township’s rate for it is higher than 80% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Wood Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wood 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.