Natural hazards · Clark

Clark, IN natural hazards

Most of the natural-hazard damage FEMA expects in Clark comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 2008.

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

Expected damage

How exposed is Clark?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clark to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves15%Strong wind9%Tornadoes8%Drought7%Earthquakes7%Everything else10%

By hazard

What Clark faces

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

Inland flooding

45% of expected damage

Above average · higher than 50% 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

Strong wind

9% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

8% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 17 years in the area

Drought

7% of expected damage

Recorded about 2 times a year in the area

Earthquakes

7% of expected damage

Well above average · higher than 75% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Clark flood?

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

5paid claims since 2008

$80Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Storm: 1 claim, $16K
Central U.S. April Flooding: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Clark

Federal disasters declared here

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

Brought FEMA money into ClarkDeclared for Montgomery County only

Montgomery County has had 18 natural disasters declared since 1953, most often severe storms and winter storms.

Around Clark

Clark and the towns around it

Very lowLowModerateHighVery high

Eel Rivermostly inland floodingModerate

Franklinmostly inland floodingLow

Jacksonmostly inland floodingLow

Clarkmostly inland floodingLow

Walnutmostly inland floodingLow

Jacksonmostly inland floodingVery low

Scottmostly 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. Clark covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Clark’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Clark. 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 Clark total about $1.4M 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.