Natural hazards · Cumberland

Cumberland, IN natural hazards

Most of the natural-hazard damage FEMA expects in Cumberland 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 Cumberland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cumberland to be higher than in 53% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding68%Tornadoes17%Everything else15%

By hazard

What Cumberland faces

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

Inland flooding

68% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 63 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 Cumberland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hancock County.

Disasters that hit Cumberland

2 federal disasters brought FEMA money here

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

Brought FEMA money into CumberlandDeclared for Hancock County only

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

1999

In-Winter Storm 12/23/98

$4K to the Town of Cumberland for repairs

Hancock County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.

Around Cumberland

Cumberland and the towns around it

Very lowLowModerateHighVery high

Cumberlandmostly inland floodingModerate

Sugar Creekmostly inland floodingModerate

Buck Creekmostly inland floodingLow

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