Natural hazards · Brown

Brown, IN natural hazards

Most of the natural-hazard damage FEMA expects in Brown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 34 claims here since 1993.

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

Expected damage

How exposed is Brown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Brown to be higher than in 42% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes17%Strong wind7%Cold waves6%Earthquakes6%Everything else9%

By hazard

What Brown faces

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

Inland flooding

55% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

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

Strong wind

7% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 70% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Brown flood?

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

34paid claims since 1993

$572Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Storm: 7 claims, $104K
Mid-spring storms: 1 claim, $36K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

Disasters that hit Brown

Federal disasters declared here

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

Brought FEMA money into BrownDeclared for Morgan County only

Morgan County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Brown

Brown and the towns around it

Very lowLowModerateHighVery high

Claymostly inland floodingHigh

Brooklynmostly inland floodingHigh

Guilfordmostly inland floodingModerate

Monroemostly inland floodingModerate

Mooresvillemostly inland floodingModerate

Madisonmostly inland floodingModerate

Brownmostly inland floodingModerate

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. Brown covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Brown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Brown. 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 Brown total about $5.2M 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.