Natural hazards · Addison

Addison, IN natural hazards

Most of the natural-hazard damage FEMA expects in Addison comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 43 claims here since 1980.

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

Expected damage

How exposed is Addison?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Addison to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes28%Earthquakes9%Everything else12%

By hazard

What Addison faces

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

Inland flooding

51% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Tornadoes

28% of expected damage

Well above average · higher than 97% of U.S. places

Earthquakes

9% of expected damage

Well above average · higher than 75% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

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 Addison flood?

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

43paid claims since 1980

$570Kpaid to owners

0homes flooded more than once

19802026

Biggest named events

Central U.S. April Flooding: 5 claims, $110K
Mid-spring storms: 1 claim, $3K
Storm: 1 claim, $43K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Addison

Federal disasters declared here

None of the disasters declared for Shelby County shows FEMA aid or repair money reaching Addison itself in FEMA’s records.

Brought FEMA money into AddisonDeclared for Shelby County only

Shelby County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Addison

Addison and the towns around it

Very lowLowModerateHighVery high

Shelbymostly inland floodingModerate

Libertymostly inland floodingModerate

Hendricksmostly inland floodingModerate

Shelbyvillemostly inland floodingModerate

Addisonmostly inland floodingModerate

Marionmostly inland floodingLow

Brandywinemostly inland floodingLow

Unionmostly inland floodingLow

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. Addison covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Addison’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Addison. 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 Addison total about $7.5M 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.