Natural hazards · Coalmont

Coalmont, IN natural hazards

Most of the natural-hazard damage FEMA expects in Coalmont comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Coalmont?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coalmont to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding54%Earthquakes11%Tornadoes8%Strong wind8%Cold waves7%Drought5%Everything else8%

By hazard

What Coalmont faces

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

Inland flooding

54% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Earthquakes

11% of expected damage

Well above average · higher than 80% of U.S. places

Tornadoes

8% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 13 years in the area

Strong wind

8% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 5 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Drought

5% of expected damage

Recorded about 2 times a year in the area

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 Coalmont flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Coalmont

1 federal disaster brought FEMA money here

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

Brought FEMA money into CoalmontDeclared for Clay County only

2008

Severe Storms, Flooding, and Tornadoes

7 households applied for aid $2K aid approved

Clay County has had 16 natural disasters declared since 1953, most often severe storms and winter storms.

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. Coalmont 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 Coalmont’s own flood-insurance community; household aid to the registrant’s city; repair grants to Coalmont. 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.