Photo: Nyttend · Public domainFEMA expects about as much hazard damage per building in Noble Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Noble Township gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 10 claims here since 2004.
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 Noble 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 Noble Township’s grade
River and rain flooding is 89% of the building damage FEMA expects in Noble Township, and Noble Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts.
B lower expected damage per building than 57% of U.S. towns (21,298).
Noble Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $710K a year in losses across Noble Township: $591K to buildings, the rest to people and crops.
Does Noble Township flood? Sometimes: 10 flood claims since 2004
Every paid claim on a federal flood insurance policy in Noble Township, from FEMA’s records: 11.3 per 1,000 homes, more than 76% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan2 claims · $40K
Noble 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: Noble County.The storms Noble Township remembers
None of the 14 disasters declared for Noble County shows FEMA aid or repair money reaching Noble Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20044 flood claims paidThe year of Severe Winter Storms, Flooding, and Mudslides, declared for Noble County
- 20224 flood claims paidNo declaration for the county that year
- 20262 flood claims paidNo declaration for the county that year
Noble County has had 14 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Noble Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Noble Township archive →Noble Township and its neighbors
Noble Township is 4th 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 |
|---|---|---|---|
| Spencer Township | Aless damage than 87% | river and rain flooding | 16 |
| Center Township | Aless damage than 86% | river and rain flooding | — |
| Olive Township | B+less damage than 70% | river and rain flooding | 14 |
| Noble Township | Bless damage than 57% | river and rain flooding | 10 |
| Caldwell | Bless damage than 56% | river and rain flooding | 29 |
| Brookfield Township | — | 113 residents; we grade 1,000+ | |
| Buffalo Township | — | 835 residents; we grade 1,000+ | |
| Sharon Township | — | 361 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 Noble 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 Noble Township
Is Noble Township at risk for natural disasters?
On FEMA’s National Risk Index, Noble Township has lower expected damage per building than 57% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (89%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Noble Township flood?
Flood insurance has paid 10 claims in Noble Township since 2004, $137K in all, or 11.3 per 1,000 homes, more than 76% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (2).
Is Noble 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 Noble County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Noble Township?
FEMA’s Community Rating System list shows no discount for Noble 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 Noble Township?
By flood claims, Tropical Storm Ivan: 2 paid, $40K.
Is Noble Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and Noble Township’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Noble Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Noble 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.