Cloverdale’s biggest natural hazard is inland flooding
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.
What stands out about Cloverdale’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Cloverdale flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cloverdale. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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.How exposed is Cloverdale?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 59% of U.S. communities, mostly from inland flooding.
Rated higher than 1,655 of the 1,977 Indiana towns we cover.
Cloverdale is smaller than a census tract, so it shares the figures of the tract around its center.
What Cloverdale faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
Strong wind
Earthquakes
2 federal disasters brought FEMA money to Cloverdale
Disasters that paid out in Cloverdale itself (aid to households or repair grants to the Town of Cloverdale) and its biggest flood years.
- 2008Severe Storms, Flooding, and Tornadoes33 households applied for aid$38K aid approved$14K to the Town of Cloverdale for repairs
- 2005Severe Winter Storms and Flooding1 household applied for aid
Putnam County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.
Old photos of Cloverdale after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cloverdale archive →Get ready for what Cloverdale actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in January–February
The month each of Putnam County’s 17 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Cloverdale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cloverdale.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Cloverdale.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.