Photo: Nyttend · Public domainStorms, floods and disasters in Union Township
Union Township isn’t graded for hazard risk: Union Township has 640 residents; we grade towns of 1,000 or more. Flood insurance has paid 18 claims here since 1998.
What Union 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.
Does Union Township flood? Sometimes: 18 flood claims since 1998
Every paid claim on a federal flood insurance policy in Union Township, from FEMA’s records.
- The March storm1 claim · $32K
Union 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: Morgan County.The storms Union Township remembers
None of the 14 disasters declared for Morgan County shows FEMA aid or repair money reaching Union Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20055 flood claims paidNo declaration for the county that year
- 20044 flood claims paidThe year of Severe Winter Storms, Flooding, and Mudslides, declared for Morgan County
- 19982 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Morgan County
Morgan 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 Union Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Union Township archive →Union 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 |
|---|---|---|---|
| Monroe Township | C+more damage than 61% | river and rain flooding | — |
| Malta Township | C−more damage than 79% | river and rain flooding | — |
| Penn Township | — | 425 residents; we grade 1,000+ | |
| Homer Township | — | not graded yet | |
| Deerfield Township | — | 567 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 Union 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 Union Township
Does Union Township flood?
Flood insurance has paid 18 claims in Union Township since 1998, $326K in all. The most claims came from March storm (1).
Is Union 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 Morgan County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Union Township?
FEMA’s Community Rating System list shows no discount for Union 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 Union Township?
By flood claims, March storm: 1 paid, $32K.
Storm stories
Memories, warnings and help from neighbors in Union Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Union 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.