Freeman-Zumbrunn House · Photo: SharonPapierdreams · CC BY-SA 4.0On FEMA’s figures, Noble Township faces more hazard damage per building than 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Noble Township gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (69%), then wildfire (10%). 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 Noble 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
Wildfire
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 Noble Township’s grade
River and rain flooding is 69% of the building damage FEMA expects in Noble Township, and Noble Township’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Wildfire adds 10%, at a rate in the top 4% of U.S. census tracts.
C higher expected damage per building than 70% of U.S. towns (21,298).
Noble Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.7M a year in losses across Noble Township: $879K to buildings, the rest to people and crops.
Does Noble Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Noble Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Noble 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: Dickinson County.The storms Noble Township remembers
None of the 13 disasters declared for Dickinson County shows FEMA aid or repair money reaching Noble Township itself in FEMA’s records, so these are its biggest flood-claim years.
Dickinson County has had 13 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.
Noble Township and its neighbors
Noble Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Noble Township | Cmore damage than 70% | river and rain flooding | 0 |
| Smoky Hill Township | Cmore damage than 72% | river and rain flooding | — |
| Rinehart Township | — | 185 residents; we grade 1,000+ | |
| Hayes Township | — | 251 residents; we grade 1,000+ | |
| Fragrant Hill Township | — | 445 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 Noble 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.
- 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.
- 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 Noble Township
Is Noble Township at risk for natural disasters?
On FEMA’s National Risk Index, Noble Township has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (69%) and wildfire (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Noble 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 Dickinson County, 77% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Noble Township?
FEMA’s Community Rating System list shows no discount for Noble Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Noble Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Noble Township’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Noble Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Noble 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.