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Natural hazards · Bunker Hill

Bunker Hill, IN natural hazards

Most of the natural-hazard damage FEMA expects in Bunker Hill comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Bunker Hill?

52
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bunker Hill to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding55%Tornadoes11%Cold waves11%Strong wind7%Drought6%Everything else11%
By hazard

What Bunker Hill 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 70% of U.S. places
Recorded about once every 3 years in the area

Tornadoes

11% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once every 18 years in the area

Cold waves

11% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 4 times a year in the area

Strong wind

7% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about 5 times a year in the area

Drought

6% of expected damage
Recorded about 2 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 Bunker Hill flood?

FEMA's records show no paid flood insurance claims in Bunker Hill.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Bunker Hill 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 Bunker Hill

4 federal disasters brought FEMA money here

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

Brought FEMA money into Bunker HillDeclared for Miami County only
2005

Severe Winter Storms and Flooding

2 households applied for aid $4K aid approved
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2003

Severe Storms, Tornadoes, and Flooding

24 households applied for aid $36K aid approved
1999

In-Winter Storm 12/23/98

$2K to the Town of Bunker Hill for repairs
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. Bunker Hill 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 Bunker Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bunker Hill. 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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