Beaver Dam is calmer than 82% of U.S. communities
Most of the natural-hazard damage FEMA expects in Beaver Dam comes from inland flooding, and overall the risk is very low for a U.S. community.
What stands out about Beaver Dam’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Beaver Dam?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 18% of U.S. communities, mostly from inland flooding and tornadoes.
Calmer than 1,767 of the 1,977 Indiana towns we cover.
Beaver Dam is smaller than a census tract, so it shares the figures of the tract around its center.
Does Beaver Dam flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Beaver Dam. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Beaver Dam isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kosciusko County.What Beaver Dam faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
Strong wind
Federal disasters declared here
None of the disasters declared for Kosciusko County shows FEMA aid or repair money reaching Beaver Dam itself in FEMA’s records.
Kosciusko County has had 16 natural disasters declared since 1953, most often severe storms and winter storms.
Get ready for what Beaver Dam actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in December–February
The month each of Kosciusko County’s 16 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Beaver Dam’s own flood-insurance community; household aid to the registrant’s city; repair grants to Beaver Dam.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Beaver Dam.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.