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Natural hazards · Clarksville

Clarksville, IN natural hazards

Most of the natural-hazard damage FEMA expects in Clarksville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 39 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

How exposed is Clarksville?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clarksville to be higher than in 55% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes27%Earthquakes10%Strong wind10%Cold waves7%Everything else4%
By hazard

What Clarksville faces

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

Inland flooding

42% of expected damage
Above average · higher than 64% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

27% of expected damage
Well above average · higher than 91% of U.S. places

Earthquakes

10% of expected damage
Well above average · higher than 78% of U.S. places

Strong wind

10% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 6 times a year in the area

Cold waves

7% of expected damage
Below average · higher than 48% of U.S. places
Recorded about once a year in the area

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 Clarksville flood?

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

39paid claims since 1978
$1.2Mpaid to owners
3homes flooded more than once
19782026

Biggest named events

  • Mid-spring storms: 5 claims, $104K
  • Central U.S. April Flooding: 3 claims, $94K
  • Not a named storm: 1 claim, $511

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 10% off flood insurance. Clarksville is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Clark County.

What’s been done with FEMA grants

7flood-prone properties bought out and cleared
1flood-prone homes bought out and moved
Disasters that hit Clarksville

7 federal disasters brought FEMA money here

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

Brought FEMA money into ClarksvilleDeclared for Clark County only
2018

Severe Storms and Flooding

38 households applied for aid $23K aid approved
2012

Severe Storms, Straight-Line Winds, and Tornadoes

2 households applied for aid $587 aid approved
2011

Severe Storms, Tornadoes, Straight-Line Winds, and

$2K to the Town of Clarksville for repairs
2008

Severe Storms and Flooding

412 households applied for aid $34K aid approved $533K to the Town of Clarksville for repairs
2005

Severe Winter Storms and Flooding

2 households applied for aid
2004

Snow

$33K to the Town of Clarksville for repairs
2004

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $2K aid approved $42K to the Town of Clarksville for repairs
Clark County has had 17 natural disasters declared since 1953, most often severe storms and floods.
Around Clarksville

Clarksville and the towns around it

Jeffersonville: High, mostly inland floodingLouisville/Jefferson County metro government: no dataSellersburg: Moderate, mostly inland floodingNew Albany: Moderate, mostly inland floodingJeffersonville: Moderate, mostly inland floodingNew Albany: High, mostly inland floodingSilver Creek: Moderate, mostly inland floodingUtica: Moderate, mostly inland floodingPosey: High, mostly inland floodingTaylor: High, mostly inland floodingFranklin: High, mostly inland floodingUtica: Moderate, mostly inland floodingWest Point: Very high, mostly inland floodingCarr: High, mostly inland floodingUnion: High, mostly inland floodingLafayette: Moderate, mostly inland floodingGeorgetown: Moderate, mostly inland floodingFloyds Knobs: Moderate, mostly inland floodingCharlestown: Low, mostly inland floodingCharlestown: Moderate, mostly inland floodingClarksville: Moderate, mostly inland flooding ClarksvilleJeffersonvilleLouisville/Jefferson County metro governmentSellersburgNew AlbanyJeffersonvilleNew AlbanySilver Creek
Very lowLowModerateHighVery high
New Albanymostly inland floodingHigh
Jeffersonvillemostly inland floodingHigh
Jeffersonvillemostly inland floodingModerate
New Albanymostly inland floodingModerate
Clarksvillemostly inland floodingModerate
Sellersburgmostly inland floodingModerate
Silver Creekmostly 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. Clarksville covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Clarksville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Clarksville. 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 Clarksville total about $9.2M 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.

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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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