More hazard damage per building is expected in Prospect Township than in 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Prospect Township gets a C− for hazard risk: higher expected damage per building than 81% of U.S. towns, #143 of 151 in Kansas. Most of that expected damage is river and rain flooding (51%), then wildfire (28%). 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 Prospect 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
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 Prospect Township’s grade
River and rain flooding is 51% of the building damage FEMA expects in Prospect Township, and Prospect Township’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts. Wildfire adds 28%, at a rate in the top 2% of U.S. census tracts.
C− #143 of 151 in Kansas; higher expected damage per building than 81% of U.S. towns (21,298).
Prospect Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Kansas town has higher expected damage than 54% of U.S. towns; within the state, Prospect Township has more expected damage per building than 95% of Kansas towns.
In dollars, FEMA expects about $1.8M a year in losses across Prospect Township: $987K to buildings, the rest to people and crops.
Does Prospect Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Prospect Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Prospect 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: Butler County.The storms Prospect Township remembers
None of the 25 disasters declared for Butler County shows FEMA aid or repair money reaching Prospect Township itself in FEMA’s records, so these are its biggest flood-claim years.
Butler County has had 25 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.
Prospect Township and its neighbors
Prospect Township is 2nd of the 2 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 |
|---|---|---|---|
| El Dorado | Cmore damage than 73% | river and rain flooding | 127 |
| Prospect Township | C−more damage than 81% | river and rain flooding | 0 |
| El Dorado Township | — | 272 residents; we grade 1,000+ | |
| Chelsea Township | — | 304 residents; we grade 1,000+ | |
| Rosalia Township | — | 549 residents; we grade 1,000+ | |
| Little Walnut 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 Prospect 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.
- 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 Prospect Township
Is Prospect Township at risk for natural disasters?
On FEMA’s National Risk Index, Prospect Township has higher expected damage per building than 81% of U.S. towns: C− for hazard risk, #143 of 151 in Kansas. Most of the expected damage is river and rain flooding (51%) and wildfire (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Prospect 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 Butler County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Prospect Township?
FEMA’s Community Rating System list shows no discount for Prospect Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Prospect Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Prospect Township’s rate for it is higher than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Prospect Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Prospect 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.