Photo: Nyttend · Public domainFEMA expects about as much hazard damage per building in Dudley Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Dudley Township gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (79%). 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 Dudley 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 Dudley Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Dudley Township, and Dudley Township’s rate of river and rain flooding damage is higher than 68% 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 56% of U.S. towns (21,298).
All of Dudley Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $745K a year in losses across Dudley Township: $598K to buildings, the rest to people and crops.
Does Dudley Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Dudley Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Dudley 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.The storms Dudley Township remembers
None of the 8 disasters declared for Hardin County shows FEMA aid or repair money reaching Dudley Township itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Dudley Township and its neighbors
Dudley 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 |
|---|---|---|---|
| Hale Township | C+more damage than 56% | river and rain flooding | — |
| Dudley Township | C+more damage than 56% | river and rain flooding | 0 |
| Buck Township | C+more damage than 62% | river and rain flooding | 13 |
| Montgomery Township | Cmore damage than 68% | river and rain flooding | — |
| Goshen Township | — | 370 residents; we grade 1,000+ | |
| Bowling Green Township | — | 356 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 Dudley 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 Dudley Township
Is Dudley Township at risk for natural disasters?
On FEMA’s National Risk Index, Dudley Township has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (79%) and tornadoes (8%). 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.
Is Dudley 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 Dudley Township?
FEMA’s Community Rating System list shows no discount for Dudley Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Dudley Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Dudley Township’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dudley Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dudley 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.