Fort Fletcher Stone Arch Bridge · Photo: Ammodramus · CC0For strong wind, Herzog Township’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Herzog Township gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (57%), then tornadoes (12%). 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 Herzog 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
Strong wind
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 Herzog Township’s grade
River and rain flooding is 57% of the building damage FEMA expects in Herzog Township, and Herzog Township’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Hail adds 12%, at a rate in the top 6% of U.S. census tracts.
C+ higher expected damage per building than 57% of U.S. towns (21,298).
All of Herzog Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $855K a year in losses across Herzog Township: $539K to buildings, the rest to people and crops.
Does Herzog Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Herzog Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Herzog 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: Ellis County.The storms Herzog Township remembers
None of the 11 disasters declared for Ellis County shows FEMA aid or repair money reaching Herzog Township itself in FEMA’s records, so these are its biggest flood-claim years.
Ellis County has had 11 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.
Herzog Township and its neighbors
Herzog Township is 2nd of the 3 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 |
|---|---|---|---|
| Big Creek Township | C+more damage than 56% | river and rain flooding | 6 |
| Herzog Township | C+more damage than 57% | river and rain flooding | 0 |
| Buckeye Township | Cmore damage than 68% | river and rain flooding | 3 |
| Freedom Township | — | 510 residents; we grade 1,000+ | |
| Paradise Township | — | 230 residents; we grade 1,000+ | |
| Big Creek Township | — | 664 residents; we grade 1,000+ | |
| Township 12 | — | 103 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 Herzog 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Herzog Township
Is Herzog Township at risk for natural disasters?
On FEMA’s National Risk Index, Herzog Township has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (57%) and tornadoes (12%). 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.
Is Herzog 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 Ellis County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Herzog Township?
FEMA’s Community Rating System list shows no discount for Herzog Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Herzog Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Herzog Township’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Herzog Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Herzog 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.