Natural hazards · Albany

Albany, IN natural hazards

Most of the natural-hazard damage FEMA expects in Albany comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1990. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Albany?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albany to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding70%Tornadoes17%Everything else13%

By hazard

What Albany faces

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

Inland flooding

70% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 22 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Albany flood?

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

12paid claims since 1990

$258Kpaid to owners

3homes flooded more than once

19902026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delaware County.

Disasters that hit Albany

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Albany itself: aid to households, or repair grants to the Town of Albany.

Brought FEMA money into AlbanyDeclared for Delaware County only

2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

25 households applied for aid $42K aid approved

2007

Snow

$4K to the Town of Albany for repairs

2005

Severe Winter Storms and Flooding

326 households applied for aid $234K aid approved $50K to the Town of Albany for repairs

2004

Snow

$2K to the Town of Albany for repairs

2003

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $8K aid approved

1999

In-Winter Storm 12/23/98

$1K to the Town of Albany for repairs

Delaware County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.

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. Albany is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.

Albany, IN natural hazards

How exposed is Albany?

What Albany faces

Inland flooding

Tornadoes

Lower here

Not a risk here

Does Albany flood?

Homes that flooded again and again

6 federal disasters brought FEMA money here

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

Snow

Severe Winter Storms and Flooding

Snow

Severe Storms, Tornadoes, and Flooding

In-Winter Storm 12/23/98

How to read this page

Where to, neighbor?

Matches

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