Natural hazards · Churubusco

Churubusco, IN natural hazards

Most of the natural-hazard damage FEMA expects in Churubusco comes from inland flooding, and overall the risk is very low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Churubusco?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Churubusco to be higher than in 16% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes23%Strong wind10%Heat waves6%Cold waves6%Everything else11%

By hazard

What Churubusco faces

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

Inland flooding

44% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

23% of expected damage

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

Recorded about once every 47 years in the area

Strong wind

10% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 5 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Churubusco flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Whitley County.

Disasters that hit Churubusco

3 federal disasters brought FEMA money here

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

Brought FEMA money into ChurubuscoDeclared for Whitley County only

2008

Severe Storms and Flooding

8 households applied for aid $26K aid approved

2007

Snow

$2K to the Town of Churubusco for repairs

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $868 aid approved

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

Around Churubusco

Churubusco and the towns around it

Very lowLowModerateHighVery high

Eel Rivermostly inland floodingVery low

Churubuscomostly inland floodingVery low

Smithmostly 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. Churubusco 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 Churubusco’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Churubusco. 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.