Photo: Nyttend · Public domainFEMA expects about as much hazard damage per building in Augusta Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Augusta Township gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 3 claims here since 2008.
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 Augusta 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
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 Augusta Township’s grade
River and rain flooding is 88% of the building damage FEMA expects in Augusta Township, and Augusta Township’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts.
B lower expected damage per building than 58% of U.S. towns (21,298).
Augusta Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $389K a year in losses across Augusta Township: $328K to buildings, the rest to people and crops.
Does Augusta Township flood? Rarely: 3 flood claims since 2008
Every paid claim on a federal flood insurance policy in Augusta Township, from FEMA’s records: 4.9 per 1,000 homes, more than 60% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $4K
Augusta 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: Carroll County.4 federal disasters brought FEMA money to Augusta Township
Disasters that paid out in Augusta Township itself (aid to households or repair grants to Augusta Township), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$3K to Augusta Township for repairs1 flood claim paid for it, $4K
- 2004Severe Winter Storms, Flooding, and Mudslides$5K to Augusta Township for repairs
- 2004Severe Storms and Flooding$4K to Augusta Township for repairs
- 2003Tornadoes, Flooding, Severe Storms, and High Winds$13K to Augusta Township for repairs
Carroll County has had 8 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 Augusta Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Augusta Township archive →Augusta Township and its neighbors
Augusta 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 |
|---|---|---|---|
| Washington Township | Aless damage than 89% | river and rain flooding | — |
| West Township | Bless damage than 58% | river and rain flooding | 11 |
| Augusta Township | Bless damage than 58% | river and rain flooding | 3 |
| Brown Township | C+more damage than 65% | river and rain flooding | 21 |
| East Township | — | 448 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 Augusta 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.
- 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 Augusta Township
Is Augusta Township at risk for natural disasters?
On FEMA’s National Risk Index, Augusta Township has lower expected damage per building than 58% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (88%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Augusta Township flood?
Flood insurance has paid 3 claims in Augusta Township since 2008, $67K in all, or 4.9 per 1,000 homes, more than 60% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (1).
Is Augusta 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 Carroll County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Augusta Township?
FEMA’s Community Rating System list shows no discount for Augusta 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 Augusta Township?
By FEMA money that reached Augusta Township, Tornadoes, Flooding, Severe Storms, and High Winds (2003): $13K to Augusta Township for repairs. By flood claims, Hurricane Ike: 1 paid, $4K.
Is Augusta Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Augusta Township’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Augusta Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Augusta 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.