FEMA expects about as much hazard damage per building in Junction Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Junction Township gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (59%), then tornadoes (14%). Flood insurance has paid 5 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 Junction 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
Wildfire
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 Junction Township’s grade
River and rain flooding is 59% of the building damage FEMA expects in Junction Township, and Junction Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 7% of U.S. census tracts.
C+ higher expected damage per building than 58% of U.S. towns (21,298).
All of Junction Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $864K a year in losses across Junction Township: $448K to buildings, the rest to people and crops.
Does Junction Township flood? Rarely: 5 flood claims since 2007
Every paid claim on a federal flood insurance policy in Junction Township, from FEMA’s records: 8.8 per 1,000 homes, more than 72% of the 13,809 U.S. towns with a flood insurance record.
- The Thunderstorms1 claim · $30K
Junction 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: Osage County.6 federal disasters brought FEMA money to Junction Township
Disasters that paid out in Junction Township itself (aid to households or repair grants to Junction Township), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$151K to Junction Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$18K to Junction Township for repairs
- 2013Snowstorm$3K to Junction Township for repairs
- 2011Severe Storms, Straight-line Winds, Tornadoes, and Flooding$24K to Junction Township for repairs
- 2009Severe Winter Storms and Snowstorm$59K to Junction Township for repairs
- 2007Severe Storms, Tornadoes, and Flooding$3K to Junction Township for repairs4 flood claims paid that year
Osage County has had 22 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 Junction Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Junction Township archive →Junction Township and its neighbors
Junction Township is 3rd of the 4 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 |
|---|---|---|---|
| Elk Township | B−more damage than 54% | river and rain flooding | 2 |
| Valley Brook Township | C+more damage than 58% | river and rain flooding | — |
| Junction Township | C+more damage than 58% | river and rain flooding | 5 |
| Pomona Township | Cmore damage than 75% | river and rain flooding | — |
| Fairfax Township | — | 476 residents; we grade 1,000+ | |
| Appanoose Township | — | 101 residents; we grade 1,000+ | |
| Vassar | — | 832 residents; we grade 1,000+ | |
| Agency Township | — | 465 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 Junction 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Junction Township
Is Junction Township at risk for natural disasters?
On FEMA’s National Risk Index, Junction Township has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (59%) and tornadoes (14%). 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 Junction Township flood?
Flood insurance has paid 5 claims in Junction Township since 2007, $81K in all, or 8.8 per 1,000 homes, more than 72% of U.S. towns with a flood insurance record. The most claims came from Thunderstorms (1).
Is Junction 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 Osage County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Junction Township?
FEMA’s Community Rating System list shows no discount for Junction 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 Junction Township?
By FEMA money that reached Junction Township, Severe Winter Storm (2024): $151K to Junction Township for repairs. By flood claims, Thunderstorms: 1 paid, $30K.
Is Junction Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Junction Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Junction Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Junction 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.