Photo: User:Magicpiano · CC BY-SA 4.0Storms, floods and disasters in Vermillion Township
Vermillion Township isn’t graded for hazard risk: Vermillion Township has 242 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2024.
What Vermillion 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
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 Vermillion Township flood? Rarely: 1 flood claim since 2024
Every paid claim on a federal flood insurance policy in Vermillion Township, from FEMA’s records.
- The June Midwest Flooding1 claim · $2K
Vermillion 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: Clay County.The storms Vermillion Township remembers
None of the 16 disasters declared for Clay County shows FEMA aid or repair money reaching Vermillion Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20241 flood claims paidThe year of Severe Storms, Straight-line Winds, and Flooding, declared for Clay County
Clay County has had 16 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Vermillion Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Vermillion Township archive →Vermillion 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 |
|---|---|---|---|
| Vermillion | C+more damage than 58% | river and rain flooding | 1 |
| Hooker Township | — | 227 residents; we grade 1,000+ | |
| Fairview Township | — | 535 residents; we grade 1,000+ | |
| Norway Township | — | 126 residents; we grade 1,000+ | |
| Spirit Mound Township | — | 207 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 Vermillion 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.
- 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 Vermillion Township
Does Vermillion Township flood?
Flood insurance has paid 1 claim in Vermillion Township since 2024, $2K in all. The most claims came from June Midwest Flooding (1).
Is Vermillion 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 Clay County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Vermillion Township?
FEMA’s Community Rating System list shows no discount for Vermillion 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 Vermillion Township?
By flood claims, June Midwest Flooding: 1 paid, $2K.
Storm stories
Memories, warnings and help from neighbors in Vermillion Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Vermillion 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.