Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Amanda Township than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Amanda Township gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then tornadoes (11%). Flood insurance has paid 6 claims here since 1981.
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 Amanda 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
Earthquakes
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 Amanda Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Amanda Township, and Amanda Township’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts. Next is tornadoes at 11% (higher than 73% of U.S. census tracts).
B+ lower expected damage per building than 72% of U.S. towns (21,298).
All of Amanda Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $483K a year in losses across Amanda Township: $411K to buildings, the rest to people and crops.
Does Amanda Township flood? Rarely: 6 flood claims since 1981
Every paid claim on a federal flood insurance policy in Amanda Township, from FEMA’s records: 8.4 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $12K
Amanda 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: Allen County.The storms Amanda Township remembers
None of the 6 disasters declared for Allen County shows FEMA aid or repair money reaching Amanda Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19812 flood claims paidNo declaration for the county that year
- 20071 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Allen County
- 20111 flood claims paidNo declaration for the county that year
Allen County has had 6 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 Amanda Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Amanda Township archive →Amanda Township and its neighbors
Amanda Township is 2nd 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 |
|---|---|---|---|
| Spencer Township | B+less damage than 72% | river and rain flooding | — |
| Amanda Township | B+less damage than 72% | river and rain flooding | 6 |
| Marion Township | Bless damage than 58% | river and rain flooding | 31 |
| Logan Township | B−more damage than 51% | river and rain flooding | 5 |
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 Amanda 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Amanda Township
Is Amanda Township at risk for natural disasters?
On FEMA’s National Risk Index, Amanda Township has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (72%) and tornadoes (11%). 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 Amanda Township flood?
Flood insurance has paid 6 claims in Amanda Township since 1981, $72K in all, or 8.4 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (1).
Is Amanda 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 Allen County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Amanda Township?
FEMA’s Community Rating System list shows no discount for Amanda 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 Amanda Township?
By flood claims, Late winter storms: 1 paid, $12K.
Is Amanda Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Amanda Township’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Amanda Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Amanda 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.