Natural hazards · Terre Haute

Terre Haute, IL natural hazards

Most of the natural-hazard damage FEMA expects in Terre Haute comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 16 claims here since 2001. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Terre Haute?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Terre Haute to be higher than in 84% of U.S. communities, mostly from inland flooding and drought.

Inland flooding37%Drought16%Strong wind12%Hail11%Tornadoes8%Heat waves7%Everything else10%

By hazard

What Terre Haute faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

37% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Drought

16% of expected damage

Recorded about 9 times a year in the area

Strong wind

12% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 5 times a year in the area

Hail

11% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 7 years in the area

Heat waves

7% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Terre Haute flood?

Every paid claim on a federal flood insurance policy in Terre Haute, from FEMA’s records.

16paid claims since 2001

$358Kpaid to owners

0homes flooded more than once

20012026

Biggest named events

Mid-spring storms: 2 claims, $8K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Terre Haute isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Henderson County.

Disasters that hit Terre Haute

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Terre Haute itself: aid to households, or repair grants to the Township of Terre Haute.

Brought FEMA money into Terre HauteDeclared for Henderson County only

2013

Severe Storms, Straight-Line Winds, and Flooding

$13K to the Township of Terre Haute for repairs

Henderson County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Terre Haute

Terre Haute and the towns around it

Very lowLowModerateHighVery high

Terre Hautemostly inland floodingVery high

Raritanmostly inland floodingVery high

Stronghurstmostly inland floodingVery high

Lomaxmostly inland floodingVery high

La Harpemostly inland floodingHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Terre Haute covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Terre Haute’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Terre Haute. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Terre Haute total about $1.8M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.