Natural hazards · Cloverdale

Cloverdale, IN natural hazards

Most of the natural-hazard damage FEMA expects in Cloverdale comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cloverdale?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloverdale to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding51%Tornadoes13%Cold waves10%Strong wind9%Earthquakes6%Everything else12%

By hazard

What Cloverdale faces

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

Inland flooding

51% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 13 years in the area

Cold waves

10% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 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

Earthquakes

6% of expected damage

Above average · higher than 73% of U.S. places

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 Cloverdale flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Putnam County.

Disasters that hit Cloverdale

2 federal disasters brought FEMA money here

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

Brought FEMA money into CloverdaleDeclared for Putnam County only

2007

Snow

$7K to the Township of Cloverdale for repairs

1999

In-Winter Storm 12/23/98

$2K to the Township of Cloverdale for repairs

Putnam County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

Around Cloverdale

Cloverdale and the towns around it

Very lowLowModerateHighVery high

Harrisonmostly inland floodingHigh

Taylormostly inland floodingHigh

Ashlandmostly inland floodingHigh

Washingtonmostly inland floodingHigh

Cloverdalemostly inland floodingModerate

Warrenmostly inland floodingModerate

Jeffersonmostly inland floodingModerate

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