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Natural hazards · Amboy

Amboy, IN natural hazards

Most of the natural-hazard damage FEMA expects in Amboy comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2011. 3 federal disasters brought FEMA money into town.

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

How exposed is Amboy?

47
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Amboy to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding54%Tornadoes13%Cold waves10%Drought7%Strong wind6%Everything else11%
By hazard

What Amboy faces

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

Inland flooding

54% of expected damage
Above average · higher than 63% of U.S. places
Recorded about once every 3 years in the area

Tornadoes

13% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 16 years in the area

Cold waves

10% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 4 times a year in the area

Drought

7% of expected damage
Recorded about 2 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Amboy flood?

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

4paid claims since 2011
$99Kpaid to owners
1homes flooded more than once
20112026

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. Amboy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Miami County.
Disasters that hit Amboy

3 federal disasters brought FEMA money here

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

Brought FEMA money into AmboyDeclared for Miami County only
2005

Severe Winter Storms and Flooding

3 households applied for aid $6K aid approved
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $2K aid approved
Miami County has had 13 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. Amboy 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 Amboy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Amboy. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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