Photo: Bwsmith84 · CC BY 3.0Storms, floods and disasters in Cadiz Township
Cadiz Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Cadiz Township yet. Flood insurance has paid 1 claim here since 2004.
What Cadiz 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
Hail
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.
Does Cadiz Township flood? Rarely: 1 flood claim since 2004
Every paid claim on a federal flood insurance policy in Cadiz Township, from FEMA’s records.
- Tropical Storm Ivan1 claim · $4K
Cadiz 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: Harrison County.3 federal disasters brought FEMA money to Cadiz Township
Disasters that paid out in Cadiz Township itself (aid to households or repair grants to Cadiz Township), newest first, with that year’s flood claims.
- 2004Severe Winter Storms, Flooding, and Mudslides$8K to Cadiz Township for repairs
- 2004Severe Storms and Flooding$19K to Cadiz Township for repairs
- 2004Severe Storms, Flooding, Mudslides, and Landslides$76K to Cadiz Township for repairs
Harrison County has had 14 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 Cadiz Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cadiz Township archive →Cadiz Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Cadiz | A+among the lowest damage | river and rain flooding | — |
| Green Township | B+less damage than 68% | river and rain flooding | — |
| Athens Township | — | 464 residents; we grade 1,000+ | |
| Archer Township | — | 227 residents; we grade 1,000+ | |
| Short Creek Township | — | not graded yet | |
| Nottingham Township | — | 156 residents; we grade 1,000+ | |
| Stock Township | — | 433 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 Cadiz 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.
- 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.
- 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 Cadiz Township
Does Cadiz Township flood?
Flood insurance has paid 1 claim in Cadiz Township since 2004, $4K in all. The most claims came from Tropical Storm Ivan (1).
Is Cadiz 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 Harrison County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Cadiz Township?
FEMA’s Community Rating System list shows no discount for Cadiz 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 Cadiz Township?
By FEMA money that reached Cadiz Township, Severe Storms, Flooding, Mudslides, and Landslides (2004): $76K to Cadiz Township for repairs. By flood claims, Tropical Storm Ivan: 1 paid, $4K.
Storm stories
Memories, warnings and help from neighbors in Cadiz Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cadiz 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.