Natural hazards · Clifty

Clifty, IN natural hazards

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

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

Expected damage

How exposed is Clifty?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clifty to be higher than in 64% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding65%Tornadoes18%Everything else17%

By hazard

What Clifty faces

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

Inland flooding

65% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 18 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Clifty flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bartholomew County.

Disasters that hit Clifty

Federal disasters declared here

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

Brought FEMA money into CliftyDeclared for Bartholomew County only

Bartholomew County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Clifty

Clifty and the towns around it

Very lowLowModerateHighVery high

Cliftymostly inland floodingHigh

Claymostly inland floodingHigh

Rock Creekmostly inland floodingHigh

Claymostly inland floodingHigh

Jacksonmostly inland floodingModerate

Haw 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. Clifty covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Clifty’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Clifty. 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 Clifty total about $1.9M 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.