More hazard damage per building is expected in Centropolis Township than in 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Centropolis Township gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (11%). Flood insurance has paid 7 claims here since 2007.
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 Centropolis 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 Centropolis Township’s grade
River and rain flooding is 70% of the building damage FEMA expects in Centropolis Township, and Centropolis Township’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts. Tornadoes add 11%, at a rate in the top 8% of U.S. census tracts.
C higher expected damage per building than 75% of U.S. towns (21,298).
All of Centropolis Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $565K a year in losses across Centropolis Township: $335K to buildings, the rest to people and crops.
Does Centropolis Township flood? Rarely: 7 flood claims since 2007
Every paid claim on a federal flood insurance policy in Centropolis Township, from FEMA’s records: 15.5 per 1,000 homes, more than 81% of the 13,809 U.S. towns with a flood insurance record.
- The Thunderstorms1 claim · $20K
Centropolis 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: Franklin County.The storms Centropolis Township remembers
None of the 19 disasters declared for Franklin County shows FEMA aid or repair money reaching Centropolis Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20173 flood claims paidNo declaration for the county that year
- 20193 flood claims paidThe year of Tornadoes and Flooding, declared for Franklin County
- 20071 flood claims paidThe year of Severe Winter Storms, declared for Franklin County
Franklin County has had 19 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 Centropolis Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Centropolis Township archive →Centropolis Township and its neighbors
Centropolis Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Centropolis Township | Cmore damage than 75% | river and rain flooding | 7 |
| Appanoose Township | — | 101 residents; we grade 1,000+ | |
| Marion Township | — | 962 residents; we grade 1,000+ | |
| Hayes Township | — | 716 residents; we grade 1,000+ | |
| Ottawa Township | — | 675 residents; we grade 1,000+ | |
| Greenwood Township | — | 275 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 Centropolis 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 Centropolis Township
Is Centropolis Township at risk for natural disasters?
On FEMA’s National Risk Index, Centropolis Township has higher expected damage per building than 75% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (11%). 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 Centropolis Township flood?
Flood insurance has paid 7 claims in Centropolis Township since 2007, $289K in all, or 15.5 per 1,000 homes, more than 81% of U.S. towns with a flood insurance record. The most claims came from Thunderstorms (1).
Is Centropolis 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 Franklin County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Centropolis Township?
FEMA’s Community Rating System list shows no discount for Centropolis 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 Centropolis Township?
By flood claims, Thunderstorms: 1 paid, $20K.
Is Centropolis Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Centropolis Township’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Centropolis Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Centropolis 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.