Natural hazards · Carpenter

Carpenter, IN natural hazards

Most of the natural-hazard damage FEMA expects in Carpenter comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Carpenter?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carpenter to be higher than in 40% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding59%Cold waves15%Tornadoes10%Strong wind5%Everything else10%

By hazard

What Carpenter faces

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

Inland flooding

59% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 10 years in the area

Strong wind

5% of expected damage

Well above average · higher than 83% 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 Carpenter flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jasper County.

Disasters that hit Carpenter

Federal disasters declared here

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

Brought FEMA money into CarpenterDeclared for Jasper County only

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

Around Carpenter

Carpenter and the towns around it

Very lowLowModerateHighVery high

Carpentermostly inland floodingModerate

Jordanmostly inland floodingModerate

Grantmostly inland floodingLow

Gilboamostly inland floodingLow

Princetonmostly 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. Carpenter 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 Carpenter’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Carpenter. 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.