Natural hazards · Boone

Boone, IN natural hazards

Most of the natural-hazard damage FEMA expects in Boone comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 11 claims here since 1983.

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

Expected damage

How exposed is Boone?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Boone to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes25%Cold waves24%Strong wind5%Everything else6%

By hazard

What Boone faces

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

Inland flooding

40% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 41 years in the area

Cold waves

24% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 4 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Boone flood?

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

11paid claims since 1983

$165Kpaid to owners

0homes flooded more than once

19832026

Biggest named events

Hurricane Ike: 4 claims, $82K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Porter County.

Disasters that hit Boone

Federal disasters declared here

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

Brought FEMA money into BooneDeclared for Porter County only

Porter County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.

Around Boone

Boone and the towns around it

Very lowLowModerateHighVery high

Pleasantmostly inland floodingLow

Eagle Creekmostly inland floodingLow

Keenermostly inland floodingLow

Winfieldmostly inland floodingLow

Boonemostly inland floodingLow

Portermostly inland floodingLow

Morganmostly inland floodingVery low

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. Boone covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Boone’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Boone. 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 Boone total about $1.9M 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.