Natural hazards · Black

Black, IN natural hazards

Most of the natural-hazard damage FEMA expects in Black comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 66 claims here since 1981.

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

Expected damage

How exposed is Black?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Black to be higher than in 80% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding46%Earthquakes31%Tornadoes9%Everything else14%

By hazard

What Black 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

Well above average · higher than 82% of U.S. places

Recorded about 8 times a year in the area

Earthquakes

31% of expected damage

Well above average · higher than 87% of U.S. places

Tornadoes

9% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 30 years in the area

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 Black flood?

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

66paid claims since 1981

$1.7Mpaid to owners

0homes flooded more than once

19812026

Biggest named events

Mid-spring storms: 35 claims, $1.2M
Central U.S. April Flooding: 1 claim, $14K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Posey County.

Disasters that hit Black

Federal disasters declared here

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

Brought FEMA money into BlackDeclared for Posey County only

Posey County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

Around Black

Black and the towns around it

Very lowLowModerateHighVery high

Mount Vernonmostly inland floodingVery high

Blackmostly inland floodingVery high

Lynnmostly inland floodingVery high

Emmamostly earthquakesHigh

Pointmostly inland floodingHigh

Marrsmostly inland floodingHigh

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. Black covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Black’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Black. 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 Black total about $7.1M 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.