Natural hazards · Albion

Albion, IN natural hazards

Most of the natural-hazard damage FEMA expects in Albion comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 9 claims here since 1981. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Albion?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albion to be higher than in 24% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes21%Strong wind9%Cold waves9%Everything else16%

By hazard

What Albion faces

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

Inland flooding

46% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 9 years in the area

Tornadoes

21% of expected damage

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

Recorded about once every 26 years in the area

Strong wind

9% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 5 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Albion flood?

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

9paid claims since 1981

$49Kpaid to owners

1homes flooded more than once

19812026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Noble County.

Disasters that hit Albion

2 federal disasters brought FEMA money here

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

Brought FEMA money into AlbionDeclared for Noble County only

2009

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $11K aid approved

2008

Severe Storms and Flooding

8 households applied for aid $11K aid approved

Noble County has had 14 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. Albion covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Albion’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Albion. 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 Albion total about $1.5M 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.