Photo: Nyttend · Public domainMore hazard damage per building is expected in Buck Township than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Buck Township gets a C+ for hazard risk: higher expected damage per building than 62% of U.S. towns. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 13 claims here since 2006.
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 Buck 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
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 Buck Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Buck Township, and Buck Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Next is tornadoes at 8% (higher than 73% of U.S. census tracts).
C+ higher expected damage per building than 62% of U.S. towns (21,298).
Buck Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Buck Township: $883K to buildings, the rest to people and crops.
Does Buck Township flood? Sometimes: 13 flood claims since 2006
Every paid claim on a federal flood insurance policy in Buck Township, from FEMA’s records: 13.1 per 1,000 homes, more than 78% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms5 claims · $141K
Buck 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: Hardin County.1 federal disaster brought FEMA money to Buck Township
Disasters that paid out in Buck Township itself (aid to households or repair grants to Buck Township), newest first, with that year’s flood claims.
- 2004Severe Winter Storms, Flooding, and Mudslides$9K to Buck Township for repairs
Hardin 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 Buck Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Buck Township archive →Buck Township and its neighbors
Buck Township is 5th of the 5 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 |
|---|---|---|---|
| Pleasant Township | B−less damage than 52% | river and rain flooding | 1 |
| Kenton | B−more damage than 52% | river and rain flooding | 14 |
| Hale Township | C+more damage than 56% | river and rain flooding | — |
| Dudley Township | C+more damage than 56% | river and rain flooding | — |
| Buck Township | C+more damage than 62% | river and rain flooding | 13 |
| Cessna Township | — | 363 residents; we grade 1,000+ | |
| Lynn Township | — | 473 residents; we grade 1,000+ | |
| Taylor Creek Township | — | 585 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 Buck 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.
- 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 Buck Township
Is Buck Township at risk for natural disasters?
On FEMA’s National Risk Index, Buck Township has higher expected damage per building than 62% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (80%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Buck Township flood?
Flood insurance has paid 13 claims in Buck Township since 2006, $281K in all, or 13.1 per 1,000 homes, more than 78% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (5).
Is Buck 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 Hardin County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Buck Township?
FEMA’s Community Rating System list shows no discount for Buck 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 Buck Township?
By FEMA money that reached Buck Township, Severe Winter Storms, Flooding, and Mudslides (2004): $9K to Buck Township for repairs. By flood claims, Late winter storms: 5 paid, $141K.
Is Buck Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Buck Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Buck Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Buck 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.