Photo: 25or6to4 · CC BY-SA 4.0FEMA puts Independence Township’s expected hazard damage per building above that of 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Independence Township gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (73%), then tornadoes (16%). Flood insurance has paid 83 claims here since 1978.
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 Independence 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
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 Independence Township’s grade
River and rain flooding is 73% of the building damage FEMA expects in Independence Township, and Independence Township’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Tornadoes add 16%, at a rate in the top 2% of U.S. census tracts.
C− higher expected damage per building than 80% of U.S. towns (21,298).
Independence Township’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.8M a year in losses across Independence Township: $827K to buildings, the rest to people and crops.
Does Independence Township flood? Sometimes: 83 flood claims since 1978
Every paid claim on a federal flood insurance policy in Independence Township, from FEMA’s records: 75.7 per 1,000 homes, more than 95% of the 13,809 U.S. towns with a flood insurance record.
- The Thunderstorms38 claims · $1.5M
Independence 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: Montgomery County.3 federal disasters brought FEMA money to Independence Township
Disasters that paid out in Independence Township itself (aid to households or repair grants to Independence Township), newest first, with that year’s flood claims.
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$11K to Independence Township for repairs
- 2009Severe Winter Storms and Snowstorm$55K to Independence Township for repairs
- 2007Severe Storms, Tornadoes, and Flooding$12K to Independence Township for repairs38 flood claims paid that year
Montgomery County has had 12 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.
Old photos of Independence Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Independence Township archive →Independence Township and its neighbors
Independence Township is 3rd 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 |
|---|---|---|---|
| Fawn Creek Township | Cmore damage than 74% | river and rain flooding | — |
| Independence | C−more damage than 79% | river and rain flooding | 92 |
| Independence Township | C−more damage than 80% | river and rain flooding | 83 |
| Drum Creek Township | — | 489 residents; we grade 1,000+ | |
| Rutland Township | — | 178 residents; we grade 1,000+ | |
| Liberty Township | — | 391 residents; we grade 1,000+ | |
| Sycamore Township | — | not graded yet | |
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 Independence 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.
- 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 Independence Township
Is Independence Township at risk for natural disasters?
On FEMA’s National Risk Index, Independence Township has higher expected damage per building than 80% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (73%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Independence Township flood?
Flood insurance has paid 83 claims in Independence Township since 1978, $1.9M in all, or 75.7 per 1,000 homes, more than 95% of U.S. towns with a flood insurance record. The most claims came from Thunderstorms (38).
Is Independence 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 Montgomery County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Independence Township?
FEMA’s Community Rating System list shows no discount for Independence 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 Independence Township?
By FEMA money that reached Independence Township, Severe Winter Storms and Snowstorm (2009): $55K to Independence Township for repairs. By flood claims, Thunderstorms: 38 paid, $1.5M.
Is Independence Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Independence Township’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Independence Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Independence 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.